Holly Mckay
Holly MackayFounder and CEO
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    Home • Best Buy Awards 2025 • Best Buy SIPP (Self Invested Pension) Award

    Best Buy Pension Award 2025

    Choosing the right pension provider could significantly impact your retirement savings, yet comparing providers remains a complex challenge. The 2025 Best Buy Pension Awards analysis reveals important differences in fees, features, and service levels across the UK's leading pension providers.

    With multiple pension providers offering different fee structures and features, choosing the right provider - or sticking with an existing one - can have a significant impact on your retirement savings over time.

    What Makes a Top Pension Provider in 2025?

    Our comprehensive analysis of the UK's leading pension providers reveals several critical factors that distinguish the top performers:

    • Cost Structure: The best providers offer competitive fee structures that can become more advantageous as your pension pot grows. For instance, some providers like AJ Bell have introduced caps on platform fees above certain thresholds, potentially offering significant savings for larger portfolios.

    • Investment Options and Support: Leading providers balance the need for choice with appropriate guidance. Some excel at supporting beginners with educational content and clear investment pathways, while others cater to more experienced investors with extensive research tools and investment options.

    • Service and Technology: The top providers now combine digital efficiency with human support, offering various ways to manage your pension and access help when needed.

    Understanding Pension Provider Costs

    The Best Buy Pension analysis examines 18 different cost scenarios across nine portfolio sizes, from £1,000 to £750,000. This comprehensive review looks at platform fees, administration charges, and the full cost of investing in ready-made portfolios.

    Unlock This Year's 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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