Holly Mckay
Holly MackayFounder and CEO
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    Home • Best Buy Awards 2025 • Best for Low Cost SIPP Over £50,000

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

    Why Costs Matter Even More for Larger Pensions

    For 9 years, our Best Buy Awards have helped investors make smarter choices with their money. When it comes to pension pots over £50,000, we've discovered that fee structures can have an enormous impact on your retirement savings. Drawing from over 22,000 customer reviews and detailed technical analysis, we've identified which providers truly deliver value for substantial pension portfolios.

    Our Unique Cost Analysis Approach

    We examined five critical portfolio sizes:

    • £50,000 transition point

    • £100,000 established pensions

    • £250,000 significant savings

    • £500,000 mature portfolios

    • £750,000 substantial funds

    Beyond basic platform fees, we analyzed:

    • All-in cost of ready-made portfolios

    • Fund ongoing charges (OCF)

    • Transaction costs

    • Administrative fees

    • Drawdown functionality costs

    Early Insights from Our Winners

    Let's examine Interactive Investor, one of our standout winners. Their fixed-fee approach offers particular advantages for larger portfolios:

    • Predictable monthly costs regardless of portfolio size

    • Extensive investment range

    • Strong tools for experienced investors

    But the real value proposition becomes clear when we compare them to other winners like Vanguard and PensionBee across different portfolio sizes...

    Complete Analysis Available to Subscribers

    📊 Cost Comparison Deep Dive

    • Detailed breakdowns at each portfolio level

    • Fee structure analysis

    • Drawdown cost calculator

    🔍 Provider Insights

    • Platform feature comparison

    • Investment range analysis

    • User experience evaluation

    💡 Decision Tools

    • Portfolio size breakeven calculator

    • Transfer cost analyser

    • Long-term fee impact projector

    Make Your Choice

    Sign up now for free access to our complete pension provider analysis and join thousands of investors using our independent research to optimise their retirement savings.

    Unlock the winners

    Join Boring Money for free to find out who won this year's Best Buy award!

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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