Discover your retirement wealth’s potential with Moneyfarm’s Pension.

Expertly managed, tax-efficient, and built around you.

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The image is for illustrative purposes only and is not representative of any client's portfolio.

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As with all investing, financial instruments involve inherent risks, including loss of capital, market fluctuations and liquidity risk. It is important to consider your risk tolerance and investment objectives before proceeding. A pension may not be right for everyone. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you are unsure if a pension is right for you, please seek financial advice. Read more.

Get a cash boost of up to £3,000 when you transfer your pensions.

Offer valid until December 2nd.

Redeem offer

Capital at risk. UK residents, 18+. T&Cs apply.

The key benefits of a Moneyfarm pension.

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Award-winning pension management

Our experts use in-depth analysis to build cost-efficient, diversified portfolios optimised for your long-term retirement goals.

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Tax-efficient retirement savings

Benefit from up to 45% tax relief on your pension contributions.

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Free pension transfers

Enjoy the convenience of just one home for all your pension investments, one platform fee, and one go-to for all your questions.

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Tax-free withdrawals at 55

Withdraw up to 25% of your pension savings as a tax-free lump sum – free of charge – when you turn 55 (57 from 6 April 2028).

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Find, Check & Transfer

Lost track of your pensions? We’ll find them for you and combine them into a single Moneyfarm plan for simpler management.

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The key benefits of a Moneyfarm pension.

Award-winning pension management

Our experts use in-depth analysis to build cost-efficient, diversified portfolios optimised for your long-term retirement goals.

Tax-efficient retirement savings

Benefit from up to 45% tax relief on your pension contributions.

Free pension transfers

Enjoy the convenience of just one home for all your pension investments, one platform fee, and one go-to for all your questions.

Tax-free withdrawals at 55

Withdraw up to 25% of your pension savings as a tax-free lump sum – free of charge – when you turn 55 (57 from 6 April 2028).

Find, Check & Transfer

Lost track of your pensions? We’ll find them for you and combine them into a single Moneyfarm plan for simpler management.

How do you want to invest your pension?

Choose how you want your pension to be managed, including the option to invest with a focus on sustainability.

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Socially responsible investing (ESG)

Choose a diversified portfolio with a mix of assets that meet environmental, social, and governance (ESG) sustainability requirements.

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Actively managed

Benefit fully from our award-winning pension management. Our investment experts regularly rebalance and continuously optimise your portfolio using cost-efficient ETFs, aligning with your goals and risk tolerance.

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Fixed allocation

Achieve global diversification simply and affordably. Enjoy the same cost-efficient ETFs as our active portfolios, with a steady, passive management approach.

Socially responsible investing (ESG)

Choose a diversified portfolio with a mix of assets that meet environmental, social, and governance (ESG) sustainability requirements.

Actively managed

Benefit fully from our award-winning pension management. Our investment experts regularly rebalance and continuously optimise your portfolio using cost-efficient ETFs, aligning with your goals and risk tolerance.

Fixed allocation

Achieve global diversification simply and affordably. Enjoy the same cost-efficient ETFs as our active portfolios, with a steady, passive management approach.

What our clients say about us.

Trust is earned, not given. If you’re still unsure about Moneyfarm, discover what our clients are saying about us on Trustpilot.

Our costs.

Amount to invest
£100,000.00
Management style
Focus

What you’ll pay

Yearly (%)
Monthly (£)
Our management fees
0.45%
£37.50
Financial instruments fees
0.31%
£25.83
Underlying fund fees
0.21%
£17.50
Market spread
0.10%
£8.33

Total estimated costs

As your wealth grows, the Moneyfarm fee can reduce to 0.35%.
More on fees

up to 0.76%
up to £63.33

You won’t pay

Entry and exit fees

Withdrawal

Top-ups

Custody fee

Lower risk
Higher risk

How our portfolios have performed.

Explore the performance of our portfolios over time. View overall trends and the performance for specific years.

Lower risk
Higher risk

Key to the figures

Moneyfarm returns net of fees since inception (01/01/2016) vs. average peer group performance over the same time period. These past performance figures are simulated. Past performance is no indicator of future performance. The allocations shown above are based on our model portfolios at a point in time, so they’re an illustration of how your actual portfolio might look. The exact composition may differ, if the value of your portfolio falls below c. £3,000.

The chart shows a projection of the future value of the portfolio based on the expected return for each risk level taking into consideration the expected volatility to calculate more and less likely scenarios. Projections are not a reliable indicator of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. As with all investments, the value may go down as well as up, and you may not get back the full amount you invested.

Our experts are by your side.

Our dedicated consultants can guide and support you throughout your investing journey at no extra cost.

Book appointmentBook an appointment
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Start your pension journey in 3 simple steps.

On your own or with help from one of our consultants.

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Choose our pension or let our questionnaire guide you.

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Discover your investor profile based on your needs and goals.

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Start your pension investing journey with our experts by your side.

Moneyfarm image

Choose our pension or let our questionnaire guide you.

Moneyfarm image

Discover your investor profile based on your needs and goals.

Moneyfarm image

Start your pension investing journey with our experts by your side.

Frequently Asked Questions.