Best For Low-Cost Pension <£50k Award 2025

Why Pension Costs Matter For Smaller Pots

When you're building your pension pot, every pound counts - especially in the early stages. Our 9 years of Best Buy Awards research shows that fees can have an outsized impact on smaller pension pots under £50,000. Drawing from over 22,000 customer reviews and detailed technical analysis, we've identified the providers that truly deliver value for growing retirement savings.

How We Found The Best Value Providers

For this award, we focused purely on costs across five key portfolio sizes:

• £1,000 starter pensions

• £5,000 growing pots

• £10,000 established savings

• £20,000 medium-sized funds

• £50,000 maturing pensions

Our analysis went beyond surface-level fees to examine total investing costs, including:

• Platform charges

• Fund ongoing charges (OCF)

• Transaction costs

• Administrative fees

In-Depth Analysis Available to Boring Money Members

📊 Complete Cost Analysis

🔍 Provider Deep Dives

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