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Sign up to Boring Money for more!","thankYouText":[{"_key":"c19ac9aca719","_type":"block","children":[{"_key":"e92f6e4d1af7","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}]},{"_key":"e62f483aae76","_type":"block","children":[{"_key":"d4794fd7ecab","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"898e6a6b7a92","_type":"block","children":[{"_key":"824b2783e2f7","_type":"span","marks":[],"text":""},{"_key":"1f3e55e1b73b","_type":"mainAnchor","pageAnchor":{"_ref":"c51dfbf0-7502-4c5d-b54d-cb8a53aaf690","_type":"reference"}},{"_key":"ca6e81dde3d1","_type":"span","marks":[],"text":"What is a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"5c0cd91832c6","_type":"block","children":[{"_key":"c405c9f0938f","_type":"span","marks":[],"text":"A Stocks & Shares ISA is a type of savings account where you can save your money and invest in the stock market without having to worry about paying tax on any profits made. 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But where Stocks & Shares ISAs really shine is that they're a great product for those that want to invest but are put off by the complex and confusing tax rules that come with other types of investment accounts - such as General Investment Accounts (GIAs). So if you're thinking of investing but find wrapping your head around tax a bit of a headache, a Stocks & Shares ISA could be right for you."}],"markDefs":[],"style":"normal"},{"_key":"35c6e1afcd86","_type":"block","children":[{"_key":"634d137989f1","_type":"span","marks":[],"text":"For this reason, Stocks & Shares ISAs are popular with beginner and DIY investors in particular, but are a handy addition to any investor's portfolio if they want to make the most of their annual tax and earnings allowances. However, unlike the Cash ISA (where your money sits idly, safe and steady in cash reserves) a Stocks & Shares ISA gives you exposure to the stock market - and all the inherent highs and lows that come with it. 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Have a peek at the pros and cons of Stocks & Shares ISAs in the table below to work out if they're right for you."}],"markDefs":[],"style":"normal"},{"_key":"5a9beb608fb1","_type":"prosConsWidget","cons":["You'll need access to your money soon","You have credit card debt to pay off","You'll faint if markets have a bad year"],"consTitle":"Bad if","pros":["Want to invest without worrying about tax","You have an investing timeframe of 5 years+","Interest rates are low"],"prosTitle":"Good if"},{"_key":"dde5d08dbd96","_type":"block","children":[{"_key":"55f7770c12ac","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1caf5b9fb5e4","_type":"block","children":[{"_key":"61c9b3627352","_type":"span","marks":[],"text":""},{"_key":"8e14b4983241","_type":"mainAnchor","pageAnchor":{"_ref":"61abfcc5-ca28-406e-af55-8b50ff2af72f","_type":"reference"}},{"_key":"84a693f93c0b","_type":"span","marks":[],"text":"Stock markets vs cash"}],"markDefs":[],"style":"h2"},{"_key":"39edf33f9f39","_type":"block","children":[{"_key":"900d8b1f1e5d","_type":"span","marks":["strong"],"text":"If you had put £1,000 away in 2014, what would it be worth by the end of 2025?"}],"markDefs":[],"style":"normal"},{"_key":"0427d38014c8","_type":"block","children":[{"_key":"0cb657307e7c","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. 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And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed by a whopping £1,294- compared to gains of just £199 from cash over the same time period. 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Every UK adult can put up to £20,000 in per tax year, and your money stays tax-free for as long as it's invested."}],"markDefs":[{"_key":"d6b8ce0f298f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"3b99dd5a2884","_type":"block","children":[{"_key":"6e63c11c9ce0","_type":"span","marks":[],"text":"Unlike a "},{"_key":"50cfc1d9ad04","_type":"span","marks":["3f03851c4f49"],"text":"Cash ISA"},{"_key":"484972727fd3","_type":"span","marks":[],"text":", your money is exposed to market ups and downs, so it works best for people with a five-year-plus investing horizon who can ride out any rough patches. The trade-off is that historically, stock markets have significantly outperformed cash over the long term."}],"markDefs":[{"_key":"3f03851c4f49","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}}],"style":"normal"},{"_key":"b7e136ab9820","_type":"block","children":[{"_key":"e7c84e6881c2","_type":"span","marks":[],"text":"You can get started from as little as £1 a month, and withdrawals are flexible. Only around 15% of UK adults currently hold one, despite the tax benefits being substantial."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"What is a Stocks & Shares ISA"},{"_key":"40d1e6b7e1a8","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"112a4f5a3456","_type":"block","children":[{"_key":"2e3b967b548a","_type":"span","marks":["strong"],"text":"How many Stocks & Shares ISAs can I have?"}],"markDefs":[],"style":"normal"},{"_key":"cdce826d5173","_type":"block","children":[{"_key":"f9de034e4b35","_type":"span","marks":[],"text":"You can hold multiple Stocks & Shares ISAs with different providers, and since April 2024 you can now pay into more than one in the same tax year. Previously you were restricted to funding just one of each ISA type per year. Your total contributions across all ISAs still cannot exceed the £20,000 annual allowance."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How many Stocks & Shares ISAs can I have?"},{"_key":"d6557798f95aae9166dd47b671371b8e","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"0b1b81b8fced","_type":"block","children":[{"_key":"647035ac2f9b","_type":"span","marks":["strong"],"text":"Can you have a Cash ISA and a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"a1239342ef07","_type":"block","children":[{"_key":"346684e6e919","_type":"span","marks":[],"text":"Yes. You can hold both a Cash ISA and a Stocks & Shares ISA at the same time, and since April 2024 you can pay into both in the same tax year. The only rule is that your combined contributions across all ISAs cannot exceed the £20,000 annual allowance. So you could, for example, put £10,000 into a Cash ISA and £10,000 into a Stocks & Shares ISA in the same year."}],"markDefs":[],"style":"normal"}],"styles":"White","title":"Can you have a Cash ISA and a Stocks & Shares ISA?"},{"_key":"0d14c9611d066edde1521f2b24f4fbcf","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"52b735920f83","_type":"block","children":[{"_key":"0b8cd50ae7ab","_type":"span","marks":["strong"],"text":"Do you pay tax on a Stocks & Shares ISA?"}],"markDefs":[],"style":"normal"},{"_key":"5d4063f23a01","_type":"block","children":[{"_key":"8f76784ceccf","_type":"span","marks":[],"text":"No. Any profits, dividends, and interest earned inside a Stocks & Shares ISA are completely tax-free. 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"}],"markDefs":[],"style":"normal"},{"_key":"b02b151be7de","_type":"block","children":[{"_key":"738702b1f9bc","_type":"span","marks":[],"text":"This is why timeframes matter so much. If you know you'll need to cash in within 12 months, stick it in the stock market anyway, and then some unfortunate force sends markets tumbling... well, you’re stuffed and your back’s against the wall. You'll have to withdraw your cash during a dip. But if you can park your money for longer - say, 5 years or more - it’s much less likely you'll have to sell when things are rubbish."}],"markDefs":[],"style":"normal"},{"_key":"4249037765fa","_type":"block","children":[{"_key":"53725bd4af3b0","_type":"span","marks":[],"text":"As a very loose rule of thumb, expecting to make about 5% a year from a diversified portfolio (that is, essentially, a mixed bag) of investments should be achievable. Some years it could be 20%, some years it could be minus 20%. An important rule for investing is to avoid needing to be a forced seller in bad years, so the longer you give yourself to invest, the greater your ability to ride out any rough patches and cash in on your own terms - hopefully once you've made a decent profit!"}],"markDefs":[],"style":"normal"},{"_key":"b498c1bc502f","_type":"textboxWidget","image":{"_type":"mainImage","asset":{"_ref":"image-5ed7e4bf99e8196fa217894330eaef10e1131ccc-1080x1080-png","_type":"reference"},"blankAltTag":true},"imagePosition":"Top right","text":[{"_key":"f41512cd32a0","_type":"block","children":[{"_key":"2c6df9dcfbed","_type":"span","marks":[],"text":"Ready to open a Stocks & Shares ISA? 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Get "},{"_key":"331d19f4e6ea","_type":"span","marks":["strong"],"text":"5% AER"},{"_key":"190246e9e4ad","_type":"span","marks":[],"text":" on your uninvested ISA cash while you decide where to invest (T&Cs apply)."}],"markDefs":[],"style":"normal"},{"_key":"b14f7c38c9d3","_type":"block","children":[{"_key":"2f5d0506d7c6","_type":"span","marks":[],"text":"When you're ready to dive deeper, IG has you covered with "},{"_key":"aef5879f8e76","_type":"span","marks":["strong"],"text":"industry-leading education"},{"_key":"78189b3c8827","_type":"span","marks":[],"text":" through IG Academy, plus"},{"_key":"4aa70fb0f3a0","_type":"span","marks":["strong"],"text":" advanced charting tools"},{"_key":"9284372ac7ba","_type":"span","marks":[],"text":" via ProRealTime and TradingView for when you want to take a more hands-on approach."}],"markDefs":[],"style":"normal"},{"_key":"212b1976d129","_type":"block","children":[{"_key":"65dd11b69550","_type":"span","marks":["299a017cc91f"],"text":"Invest in shares, ETFs, and funds"},{"_key":"e1bc555c21c0","_type":"span","marks":[],"text":" — all tax-free within your annual £20,000 ISA allowance."}],"markDefs":[{"_key":"299a017cc91f","_type":"internalLinkPick","blank":true,"reference":{"_ref":"bf801acc-58b0-48b5-8bd6-bd019ffc8e03","_type":"reference"}}],"style":"normal"},{"_key":"f671aeabc348","_type":"block","children":[{"_key":"151a6be4871d","_type":"span","marks":["strong"],"text":"Capital at risk. 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So first up, don’t lose your mind and chase daft things like Bitcoin, gambling and spivvy schemes. Investing ultimately comes down to backing decent companies which do things you can get your head around and which make a profit, or have a damn good plan which will "},{"_key":"8a32973014ba","_type":"span","marks":["em"],"text":"make "},{"_key":"97946f0a6356","_type":"span","marks":[],"text":"them a profit. It’s like Dragon’s Den but on a larger scale."}],"markDefs":[],"style":"normal"},{"_key":"1d6886405254","_type":"block","children":[{"_key":"268a63f04360","_type":"span","marks":[],"text":"Some companies won’t make it. They won't hit oil, get that patent, or they'll suffer at the hands of an inept CEO. And if you're putting all your money behind that one company, then you're potentially losing a lot of it when its shares start to fall. 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However, if you're looking at more than a 5-year timeframe, the odds have historically ruled in favour for the stock market to do better than cash. And though Cash ISAs will protect your lump sum, your money is likely to grow at a much slower pace. This leaves you particularly exposed to the risk of inflation, and with the cost of living going up faster than interest rates, any cash sitting in a bank account is effectively going backwards in value – that is, its purchasing clout gets lower every year. "}],"markDefs":[],"style":"normal"},{"_key":"dfb5ca6d784c","_type":"block","children":[{"_key":"24910e026c40","_type":"span","marks":[],"text":"So really, it's a personal choice. Would you sleep better at night knowing there's virtually no risk in losing any capital? Then a Cash ISA is probably better for you. But if you still want to invest in the stock market, remember that the longer you give yourself, the more time you have to ride out any bumps along the way - smoothing out your risk exposure."}],"markDefs":[],"style":"normal"},{"_key":"a19592681683","_type":"block","children":[{"_key":"16b267dade6c","_type":"span","marks":[],"text":"For more on weighing up Cash ISAs and Stocks & Shares ISAs, and which is best for your attitude to investment risk, check out "},{"_key":"1b8670dab76d","_type":"span","marks":["2586b1357dc1"],"text":"this article"},{"_key":"7fcf36788e22","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"2586b1357dc1","_type":"internalLinkPick","reference":{"_ref":"f1074ea6-e7b0-475f-9cb0-4a22d74cebf5","_type":"reference"}}],"style":"normal"},{"_key":"8d8c7ecb2baf","_type":"block","children":[{"_key":"7b8787a7b096","_type":"span","marks":[],"text":""},{"_key":"88ec304fd373","_type":"mainAnchor","pageAnchor":{"_ref":"496a8c48-2177-45d5-878c-b03dbeb72ed7","_type":"reference"}},{"_key":"80cb4e197000","_type":"span","marks":[],"text":"Stocks & Shares ISAs and tax"}],"markDefs":[],"style":"h2"},{"_key":"5cc510db1390","_type":"block","children":[{"_key":"bc8574d89c45","_type":"span","marks":[],"text":"Stocks and Shares ISAs are tax-efficient in a number of ways. 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This would be treated like cash interest outside of an ISA."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5af4998bc30d","_type":"block","children":[{"_key":"dbb0eee89652","_type":"span","marks":["strong"],"text":"There's no tax on dividends within an ISA"},{"_key":"0ac8750f3132","_type":"span","marks":[],"text":". Outside an ISA, there's a dividend allowance of £1,000. Beyond that, dividends are taxed at 8.75% (basic rate taxpayer), 33.75% (higher rate taxpayer) and 39.35% (additional rate taxpayer)."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7c82650eb34b","_type":"block","children":[{"_key":"7b5527c9788d","_type":"span","marks":[],"text":""},{"_key":"3e0d664bece7","_type":"mainAnchor","pageAnchor":{"_ref":"d126b370-d02a-448b-94fa-bfd7b22886df","_type":"reference"}},{"_key":"6230b3d15fbd","_type":"span","marks":[],"text":"How do I start investing with a Stocks & Shares ISA?"}],"markDefs":[],"style":"h2"},{"_key":"99ecd88f0312","_type":"block","children":[{"_key":"5469e42a949f0","_type":"span","marks":[],"text":"If you haven't invested before, it can be daunting to figure out which products to buy and where to purchase them, but the good news is that the whole process is simpler than ever before."}],"markDefs":[],"style":"normal"},{"_key":"6e8fb0875c73","_type":"block","children":[{"_key":"3946793871d20","_type":"span","marks":[],"text":"If you're a beginner investor and you're not quite sure who to trust, every year we recognise the companies we think offer the very best Stocks & Shares ISAs with our coveted Best Buy ISA award. 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"}],"markDefs":[],"style":"normal"},{"_key":"6ecfac0706cb","_type":"block","children":[{"_key":"0bdc9cd9b4c4","_type":"span","marks":[],"text":"They are designed to recognise the best investment platforms and providers in the UK across a range of categories - from Stocks & Shares ISAs, pensions, digital investment apps, and customer experience. "}],"markDefs":[],"style":"normal"},{"_key":"667658658941","_type":"block","children":[{"_key":"44e2c23c456e0","_type":"span","marks":[],"text":"We select our winners based on an exclusive combination of our independent opinion, deep dives into technical information and over 22,000 real customer reviews."}],"markDefs":[],"style":"normal"},{"_key":"ab0c88526427","_type":"block","children":[{"_key":"3599dc3f77380","_type":"span","marks":[],"text":"At the heart of it all, our Best Buy Awards are designed to champion the voice of the consumer and "},{"_key":"a6e118668ce3","_type":"span","marks":["strong"],"text":"help you make better, more informed choices about investing."}],"markDefs":[],"style":"normal"},{"_key":"d595ad143314","_type":"block","children":[{"_key":"56ba31642a4f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]},{"_key":"5df51292ea0b","_type":"block","children":[{"_key":"1528e1b6ea930","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2474cabd61c7","_type":"block","children":[{"_key":"115fc789cbdd0","_type":"span","marks":[],"text":"How we choose our Best Buy Stocks & Shares ISA winners"}],"markDefs":[],"style":"h2"},{"_key":"496c16e41287","_type":"block","children":[{"_key":"1cd64b1a64e40","_type":"span","marks":[],"text":"Think picking the best Stocks & Shares ISA is straightforward? 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This threshold will increase to 57 years old from 2028 and there's a good chance it will continue to rise to reflect an ageing population and similar changes to the State Pension age."}],"markDefs":[],"style":"normal"},{"_key":"7d59da91fec5","_type":"block","children":[{"_key":"30984b039238","_type":"span","marks":[],"text":"You can take up to 25% as a tax-free lump sum"}],"markDefs":[],"style":"h4"},{"_key":"c68a6e98d419","_type":"block","children":[{"_key":"1adeeec6638c","_type":"span","marks":[],"text":"As with most pension schemes, from the age of 55 onwards you can withdraw 25% of the value of your SIPP - up to a maximum of £268,275 - tax-free. Anything beyond this amount will be included as part of your taxable income and may be liable for tax such as "},{"_key":"88847797eefe","_type":"span","marks":["bb39c88a96c3"],"text":"Income Tax"},{"_key":"56b1f7a09661","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"bb39c88a96c3","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"2cb96b7ec4c8","_type":"block","children":[{"_key":"e96f2ca342ec","_type":"span","marks":[],"text":"You can convert your savings into drawdown or an annuity"}],"markDefs":[],"style":"h4"},{"_key":"9e9aeac6f9b1","_type":"block","children":[{"_key":"5479e5c6bf2a","_type":"span","marks":[],"text":"When you're ready to retire, you have a choice between opting for "},{"_key":"253dd877c385","_type":"span","marks":["0cb4416ebeef"],"text":"drawdown"},{"_key":"0fa061f3de11","_type":"span","marks":[],"text":" (taking chunks out of your savings at your discretion) or purchasing an "},{"_key":"c1fa7371cd57","_type":"span","marks":["58fcf70be682"],"text":"annuity"},{"_key":"ad97d29b6eed","_type":"span","marks":[],"text":" (a guaranteed annual income paid out of your pot). SIPPs can accommodate either but it's crucial to check whether your chosen provider offers the route you want to take, as some are limited to only drawdown schemes or only annuities. It's best to check this "},{"_key":"cb1a3b0ee27f","_type":"span","marks":["em"],"text":"before"},{"_key":"04c8c80479d8","_type":"span","marks":[],"text":" you start saving into a SIPP so you don't end up having to make last-minute transfers in the run-up to retirement!"}],"markDefs":[{"_key":"0cb4416ebeef","_type":"internalLinkPick","reference":{"_ref":"30c293dd-a614-4253-a4c2-ed4b64cdd9ac","_type":"reference"}},{"_key":"58fcf70be682","_type":"internalLinkPick","reference":{"_ref":"18cc7a4b-b423-47ee-8759-5fa886b087d6","_type":"reference"}}],"style":"normal"},{"_key":"abdbbd3e1f3a","_type":"block","children":[{"_key":"6805c4c7eb35","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"4874100ec44d","_type":"block","children":[{"_key":"395616f61b23","_type":"span","marks":["strong"],"text":"Drawdown vs annuity: Which is best for you?"}],"markDefs":[],"style":"normal"}],"_key":"bfb143359578","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","_type":"post","_rev":"ls4mEdDrfYkIjjE6OVKgr9","_createdAt":"2022-10-03T07:57:27Z","_updatedAt":"2026-07-29T16:07:19Z","_system":{"base":{"id":"79fcc0a0-e069-4ec5-b1ea-8a6a48d6fb5e","rev":"1Upl3GR1y85N2ycGQrRWqb"}},"authors":[{"_key":"df39fc759dba","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"authorsText":[{"_key":"a5a2b5657079","_type":"block","children":[{"_key":"d9d882c6f008","_type":"span","marks":[],"text":"Written by "},{"_key":"6acba92dc9ae","_type":"span","marks":["strong","dad580afd0dc"],"text":"Boring Money"}],"markDefs":[{"_key":"dad580afd0dc","_type":"internalLinkPick","blank":true,"reference":{"_ref":"d303d967-e483-4761-b7bf-65760d5b1b66","_type":"reference"}}],"style":"normal"}],"body":[{"_key":"d3f08c30eed2","_type":"block","children":[{"_key":"8a6d152e401b","_type":"span","marks":["strong"],"text":"There are two main ways to access your pension when you retire: 'drawdown', where you dip into your pot as and when you need it, or an 'annuity', where you swap your savings for a guaranteed income for life (or a fixed period of time). Here's how each one works, and how to figure out which suits you."}],"markDefs":[],"style":"normal"},{"_key":"0c3368685a8c","_type":"mainImage","alt":"Annuity vs drawdown: 3 things to keep in mind to find the right pension for you","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},{"_key":"e103b11c3e88","_type":"block","children":[{"_key":"514e5a2e11ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"85ac2ad00090","_type":"block","children":[{"_key":"eaeb5b39e43b","_type":"span","marks":[],"text":"An annuity gives you certainty, meaning our income is guaranteed. Drawdown gives you flexibility, so you control how much you take and when. But which one is really best for you? In this article, we explain the basics of pension drawdown and annuities, why annuity rates have been rising and three things to think about when choosing between the two."}],"markDefs":[],"style":"normal"},{"_key":"2fe8d3949b6a","_type":"block","children":[{"_key":"5bdcc8950700","_type":"span","marks":[],"text":""},{"_key":"8eb020fbc672","_type":"mainAnchor","pageAnchor":{"_ref":"716b042f-b58e-4e97-8895-e2d260c29c19","_type":"reference"}},{"_key":"e30baa4b56e9","_type":"span","marks":[],"text":"What is a drawdown?"}],"markDefs":[],"style":"h2"},{"_key":"cd6f6dc387b4","_type":"block","children":[{"_key":"e6b1ec08c969","_type":"span","marks":["strong"],"text":"Pension drawdown lets you take a flexible income from your pension while keeping the rest invested. You can take up to 25% tax-free, then withdraw money as and when you need it, taxed as income. Because your pot stays invested, it can keep growing - but its value can also fall, so your income isn't guaranteed"},{"_key":"ac8f7e7def02","_type":"span","marks":[],"text":"."}],"markDefs":[],"style":"normal"},{"_key":"a1dea23241b4","_type":"block","children":[{"_key":"d9e7f5a410b0","_type":"span","marks":[],"text":"Pension drawdown is a way of taking flexible income from your pension savings. It allows you to draw some money from your pot while leaving the rest of it invested - basically, not taking it all out at once. It's sometimes referred to as 'flexible income' or 'flexi-access drawdown' and is a popular way of accessing retirement savings.  "}],"markDefs":[],"style":"normal"},{"_key":"91a064be4905","_type":"block","children":[{"_key":"7a0d94a9ecba","_type":"span","marks":[],"text":"When you access your pension, you can take out up to a quarter (25%) as tax-free cash or 25% of each withdrawal tax-free. The rest of it can remain invested, meaning it may continue to generate growth and boost the overall value of your pot. "}],"markDefs":[],"style":"normal"},{"_key":"cc296adbac62","_type":"block","children":[{"_key":"068869ea6d32","_type":"span","marks":[],"text":"However, as is always the case with investing, the value of the remaining invested part of your pension can go down as well as up - so your income is not 100% guaranteed."}],"markDefs":[],"style":"normal"},{"_key":"64388aee5f2d","_type":"block","children":[{"_key":"6d06f7061923","_type":"span","marks":[],"text":"As well as this, any money you withdraw after taking your 25% tax-free lump sum will be taxable as earnings in the tax year you take them. This means it will be liable for"},{"_key":"f917c6c3a38f","_type":"span","marks":["2b0dd075c58b"],"text":" Income Tax "},{"_key":"24e3a9089060","_type":"span","marks":[],"text":"if your total income for the year exceeds the £12,570 annual allowance."}],"markDefs":[{"_key":"2b0dd075c58b","_type":"internalLinkPick","reference":{"_ref":"cfbae5f9-09e2-4ebd-b540-7b2843cb6161","_type":"reference"}}],"style":"normal"},{"_key":"6bf8e6e9a631","_type":"block","children":[{"_key":"9c90efc493e6","_type":"span","marks":[],"text":"Nevertheless, pension drawdown allows you to be flexible with your retirement income. If you need to spend more in one year, you can increase the amount of money you draw from your pot. On the other hand, if you need less in another year, you could reduce the amount you withdraw and lower your tax bill in the process. "}],"markDefs":[],"style":"normal"},{"_key":"42797a4ad199","_type":"block","children":[{"_key":"eddf784e1e11","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6b74ebb53fc8","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who a drawdown pension is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"f368a55ed5ee","_type":"block","children":[{"_key":"a017b8a72c280","_type":"span","marks":[],"text":"Drawdown suits people who may have a need for an uneven income profile in retirement, combined with a capacity for volatility. People who may want to spend more in the early years of retirement, for travelling and activities, etc, but then expect that expenditure to tail off as they get older."}],"markDefs":[],"style":"normal"}]},{"_key":"c7e5238b4f9d","_type":"block","children":[{"_key":"abc5da03bdb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"17d255ffa878","_type":"block","children":[{"_key":"5e7a71053bbd","_type":"span","marks":[],"text":"You need to plan carefully how to use pension drawdown as there's a risk of running out of money if you spend too much too soon. The government's MoneyHelper website has a handy calculator that can help you estimate how much income you could take out of your pension every year "},{"_key":"afabf2fd93a6","_type":"span","marks":["a710a24050b8"],"text":"here"},{"_key":"25b45b48d89f","_type":"span","marks":[],"text":". "}],"markDefs":[{"_key":"a710a24050b8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"f531a247-3ceb-4049-8cc3-c24fd3395519","_type":"reference"}}],"style":"normal"},{"_key":"01de86660641","_type":"block","children":[{"_key":"1aa2b09a54db","_type":"span","marks":[],"text":"If you're approaching retirement and considering pension drawdown, it's usually wise to discuss your options with a qualified financial adviser who can assess your situation and advise on the best course of action for you. 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Providers use your money to generate returns, often via government bonds, so rates tend to rise when interest rates rise. There are several types, including lifetime, fixed-term, investment-linked, inflation linked and enhanced annuities."}],"markDefs":[],"style":"normal"},{"_key":"3d381a8933a3","_type":"block","children":[{"_key":"d001fb434699","_type":"span","marks":[],"text":"Buying an annuity is a way of exchanging your pension savings for a fixed, ongoing annual payment. You can use an annuity to secure a guaranteed yearly income for the rest of your life or for a specified period."}],"markDefs":[],"style":"normal"},{"_key":"7d8019b5da8f","_type":"block","children":[{"_key":"85b87ca56cfd","_type":"span","marks":[],"text":"Annuity providers typically buy government"},{"_key":"1f7fbefa10fd","_type":"span","marks":["25641aededf4"],"text":" bonds"},{"_key":"3d1a82901364","_type":"span","marks":[],"text":" (called \""},{"_key":"28008779b9a7","_type":"span","marks":["cb4c577fd66f"],"text":"gilts"},{"_key":"2bd009d31d11","_type":"span","marks":[],"text":"\" in the UK) to generate returns. If "},{"_key":"1a0e7e3fbc05","_type":"span","marks":["08053b6dae18"],"text":"interest rates"},{"_key":"63c376fcd403","_type":"span","marks":[],"text":" are high, this pushes these returns up. So a rise in interest rates equals a rise in annuity rates, in theory, and should translate to more bang for your buck."}],"markDefs":[{"_key":"25641aededf4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"ef452672-20b7-4540-9f6a-d2c7bd3c8542","_type":"reference"}},{"_key":"cb4c577fd66f","_type":"glossaryPick","reference":{"_ref":"3f677622-19d4-4151-8dd9-36f55a8fb426","_type":"reference"}},{"_key":"08053b6dae18","_type":"glossaryPick","reference":{"_ref":"7a12b162-9c66-48e7-90c1-293196d523bb","_type":"reference"}}],"style":"normal"},{"_key":"ed4a0cb60701","_type":"block","children":[{"_key":"0c27ab96bccb","_type":"span","marks":[],"text":"Annuities are sold by insurance companies and there are a range of different types on the market, including:"}],"markDefs":[],"style":"normal"},{"_key":"4f3932a27651","_type":"block","children":[{"_key":"d539dd1d0742","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0166734b47fb","_type":"tableControl","rows":[{"_key":"aab13449b2c8","_type":"row","cells":[{"_key":"dc714177477b","_type":"cell","tableStyle":"DB","value":[{"_key":"7b70c07d526e","_type":"block","children":[{"_key":"62063a470ffc","_type":"span","marks":["strong"],"text":"Lifetime"}],"markDefs":[],"style":"normal"}]},{"_key":"888e91a1f427","_type":"cell","tableStyle":"DB","value":[{"_key":"76f3d06db543","_type":"block","children":[{"_key":"29d4af76a5fb","_type":"span","marks":["strong"],"text":"Fixed-term"}],"markDefs":[],"style":"normal"}]},{"_key":"a7fc470d6ebd","_type":"cell","tableStyle":"DB","value":[{"_key":"ff4ea7a62e8a","_type":"block","children":[{"_key":"2a444350d8da","_type":"span","marks":["strong"],"text":"Enhanced"}],"markDefs":[],"style":"normal"}]},{"_key":"3cc6c24ef087","_type":"cell","tableStyle":"DB","value":[{"_key":"fdad6114afa0","_type":"block","children":[{"_key":"fff7eeaf5e48","_type":"span","marks":["strong"],"text":"Investment-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"df1e3b09f34c","_type":"cell","tableStyle":"DB","value":[{"_key":"70233616f584","_type":"block","children":[{"_key":"395b4524fa29","_type":"span","marks":["strong"],"text":"Inflation-linked"}],"markDefs":[],"style":"normal"}]},{"_key":"9eae6325dbce","_type":"cell","tableStyle":"DB","value":[{"_key":"0ef7aade6e2b","_type":"block","children":[{"_key":"2602b9613f05","_type":"span","marks":["strong"],"text":"Purchased life"}],"markDefs":[],"style":"normal"}]}]},{"_key":"7cb078bae677","_type":"row","cells":[{"_key":"7bc0e2a7b075","_type":"cell","tableStyle":"W","value":[{"_key":"fefc2b3b26d3","_type":"block","children":[{"_key":"0d753af7d971","_type":"span","marks":[],"text":"This pays a guaranteed income for the rest of your life. It ensures you don’t run out of money during retirement, but it is an irreversible decision, meaning once you purchase it, you cannot change your mind."}],"markDefs":[],"style":"normal"}]},{"_key":"cba6cce1235d","_type":"cell","tableStyle":"W","value":[{"_key":"2f3f93085a3c","_type":"block","children":[{"_key":"e052ca0d363c","_type":"span","marks":[],"text":"Pays a guaranteed income for a set period of time, e.g. 10 years. It also ensures you get a lump sum at the end of the term, which is agreed upon before purchase."}],"markDefs":[],"style":"normal"}]},{"_key":"0c65bd0dd8ee","_type":"cell","value":[{"_key":"37e1ccf28ad4","_type":"block","children":[{"_key":"bc5e3974ec81","_type":"span","marks":[],"text":"Also called 'Impaired', this is aimed at those diagnosed with an illness or health problem that could reduce your life expectancy. This may mean the amount in of income you receive from your pension will increase."}],"markDefs":[],"style":"normal"}]},{"_key":"41637021182a","_type":"cell","value":[{"_key":"331e3559c15d","_type":"block","children":[{"_key":"e1f24648393c","_type":"span","marks":[],"text":"This is where part of your income is guaranteed and linked to investment performance. Payments may increase and decrease monthly depending on the value of the investment."}],"markDefs":[],"style":"normal"}]},{"_key":"ea6004ee0a12","_type":"cell","tableStyle":"W","value":[{"_key":"53b6a671ea4b","_type":"block","children":[{"_key":"d6dd892764b3","_type":"span","marks":[],"text":"Increases your income annually, typically in line with the typical inflation benchmark Retail Price Index (RPI) or Consumer Prices Index (CPI). This offers protection against rising costs."}],"markDefs":[],"style":"normal"}]},{"_key":"43827421f4a1","_type":"cell","tableStyle":"W","value":[{"_key":"ac5b156024b0","_type":"block","children":[{"_key":"0bcecd345250","_type":"span","marks":[],"text":"A type of lifetime annuity purchased which is purchased with a lump sum of money from outside your pension. It provides a regular stream of income for the rest of your life.\n"}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB","title":"Types of annuity"},{"_key":"3c76947656b7","_type":"block","children":[{"_key":"5d65ec61571b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8557d27dd8cd","_type":"block","children":[{"_key":"f702c63d5a8a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1f4b56983f72","_type":"block","children":[{"_key":"58aff7c0dfd9","_type":"span","marks":[],"text":"A lifetime annuity, for example, pays a guaranteed income based on the value of your pension savings for the rest of your life. A fixed-term annuity, on the other hand, pays this income over a pre-agreed length of time - typically between 5 to 10 years. "}],"markDefs":[],"style":"normal"},{"_key":"68a0be43ad31","_type":"block","children":[{"_key":"e2f375d29bcc","_type":"span","marks":[],"text":"Other types of annuity come with additional features. For instance, an enhanced or impaired life annuity can provide a higher annual income for those with serious pre-existing health conditions. Some enable you to include spousal protection, whereby your spouse or civil partner receives a predetermined amount of income in the event that you pass away."}],"markDefs":[],"style":"normal"},{"_key":"a667fd385d9c","_type":"block","children":[{"_key":"9ac17cf901b6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"998c8ac285be","_type":"blockQuote","adviserLink":{"_ref":"08287788-27fc-47aa-8797-356964cf4db7","_type":"reference"},"adviserName":"Dennis Hall","jobTitle":"Chartered Financial Planner","photo":{"_type":"mainImage","alt":"Chartered Financial Planner Dennis Hall on who an annuity is best suited to","asset":{"_ref":"image-1848cbd4480bba43a3cc755623f82baf0aecd731-500x500-jpg","_type":"reference"}},"quote":[{"_key":"245e7becaffb","_type":"block","children":[{"_key":"06a0660526380","_type":"span","marks":[],"text":"Annuities suit people who are looking for an element of certainty in their finances. They won’t necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income. They could even choose to have a fixed level of annual increase or increases linked to the retail price index (RPI)."}],"markDefs":[],"style":"normal"}]},{"_key":"0743d7336cc9","_type":"block","children":[{"_key":"adea9dc9e1aa","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"014f795802c8","_type":"block","children":[{"_key":"940942638f6d","_type":"span","marks":[],"text":""},{"_key":"78d96014ca5a","_type":"mainAnchor","pageAnchor":{"_ref":"c0169b4c-2b0b-4fa3-97eb-92295f534082","_type":"reference"}},{"_key":"ec1533b334d2","_type":"span","marks":[],"text":"Drawdown vs annuity: what does each look like in practice?"}],"markDefs":[],"style":"h2"},{"_key":"ec13220107ef","_type":"block","children":[{"_key":"7a9d76f8ee31","_type":"span","marks":[],"text":"Let's look at some examples of how different financial needs can affect whether drawdown or annuity is best for you."}],"markDefs":[],"style":"normal"},{"_key":"e3845b90a9f5","_type":"block","children":[{"_key":"4abd1cce81b9","_type":"span","marks":[],"text":"Meet Linda and Robert. Linda and Robert are both 66 years old and recently retired with pension pots of £300,000 each. They have different retirement goals and financial attitudes, which led them to make different choices for accessing their pension savings."}],"markDefs":[],"style":"normal"},{"_key":"9f11bb4044d4","_type":"block","children":[{"_key":"d57e6b2b05ae","_type":"span","marks":[],"text":"Here's how their choices (drawdown for Linda, annuity for Robert) play out in practice:"}],"markDefs":[],"style":"normal"},{"_key":"a68de1e1376c","_type":"block","children":[{"_key":"a4a37d1f197f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8069b76e9436","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"33685f546f98","_type":"block","children":[{"_key":"e0fcfd342b16","_type":"span","marks":[],"text":"Linda's choice: Drawdown"}],"markDefs":[],"style":"h3"},{"_key":"a8ed63149e1f","_type":"block","children":[{"_key":"fcfa6729ceda","_type":"span","marks":[],"text":"Linda is an active retiree who plans to travel extensively during her early retirement years before settling into a quieter lifestyle later. She values flexibility and has a moderate risk tolerance."}],"markDefs":[],"style":"normal"},{"_key":"0e7760e82078","_type":"block","children":[{"_key":"33fd21efa020","_type":"span","marks":[],"text":"Linda's approach:"}],"markDefs":[],"style":"h4"},{"_key":"46c029d0fbec","_type":"block","children":[{"_key":"8611cbcf9949","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"faaf6b6599b7","_type":"block","children":[{"_key":"5db3cb303d17","_type":"span","marks":[],"text":"Keeps remaining £225,000 invested in a diversified portfolio"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b6ba9cbea77f","_type":"block","children":[{"_key":"d0a2739b7aa5","_type":"span","marks":[],"text":"Plans to withdraw variable amounts:"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8e006f7e54bf","_type":"block","children":[{"_key":"f1f80632fe4d","_type":"span","marks":[],"text":"Years 1-5: £15,000 annually (higher withdrawal for travel)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"bcfbddf8d94d","_type":"block","children":[{"_key":"d1bdd8cb1bf6","_type":"span","marks":[],"text":"Years 6-10: £12,000 annually"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"49eff2a83ae6","_type":"block","children":[{"_key":"487a5d300cb7","_type":"span","marks":[],"text":"Years 11+: £10,000 annually (reduced needs)"}],"level":2,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fe3dec2863d2","_type":"block","children":[{"_key":"81d4442240a3","_type":"span","marks":[],"text":"Outcome for Linda:"}],"markDefs":[],"style":"h4"},{"_key":"50760d8e783b","_type":"block","children":[{"_key":"5ac7aa7b529c","_type":"span","marks":["strong"],"text":"Flexibility"},{"_key":"ba9b5ca8313e","_type":"span","marks":[],"text":": Linda could increase her withdrawals when her daughter needed help with a house deposit in year 3."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"005039494c5d","_type":"block","children":[{"_key":"0f431703be6d","_type":"span","marks":["strong"],"text":"Investment growth"},{"_key":"cc86680a1afe","_type":"span","marks":[],"text":": Her pension pot grew to £240,000 by year 5 despite withdrawals, thanks to favourable market conditions."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9a1ac19bfeef","_type":"block","children":[{"_key":"31c3d1351886","_type":"span","marks":["strong"],"text":"Tax efficiency"},{"_key":"0e0314a006de","_type":"span","marks":[],"text":": By varying her withdrawals, Linda kept her total income below higher tax thresholds in most years."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6f9cff27d8f","_type":"block","children":[{"_key":"5afe34d175a4","_type":"span","marks":["strong"],"text":"Risk"},{"_key":"ff48300ec601","_type":"span","marks":[],"text":": In year 7, a market downturn reduced her pot value by 12%, but she adjusted by reducing her withdrawal temporarily."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"ff6b6f80a239","_type":"block","children":[{"_key":"f09fc4609e69","_type":"span","marks":["strong"],"text":"Legacy"},{"_key":"7da500d11241","_type":"span","marks":[],"text":": Linda still has a significant pot that could potentially be passed to her children through inheritance planning if she doesn't use it all."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"a2c00a307427","_type":"block","children":[{"_key":"7f7dbdbbe830","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0737772c2ed8","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"f55ed22a4059","_type":"block","children":[{"_key":"1a7900eb3cae","_type":"span","marks":[],"text":"Robert's choice: Lifetime annuity"}],"markDefs":[],"style":"h3"},{"_key":"78743ae71a5e","_type":"block","children":[{"_key":"6198e7956a83","_type":"span","marks":[],"text":"Robert prioritises security and predictability. He has some health concerns and values knowing exactly how much income he'll receive each month."}],"markDefs":[],"style":"normal"},{"_key":"d08259d52cf6","_type":"block","children":[{"_key":"ef30de8286f3","_type":"span","marks":[],"text":"Robert's approach:"}],"markDefs":[],"style":"h4"},{"_key":"39a3f48471fd","_type":"block","children":[{"_key":"cf8a88150715","_type":"span","marks":[],"text":"Takes 25% tax-free lump sum: £75,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"8d5fa37b8268","_type":"block","children":[{"_key":"18fd26d41e8d","_type":"span","marks":[],"text":"Uses remaining £225,000 to purchase a lifetime annuity"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1276abba375b","_type":"block","children":[{"_key":"e2338a1e3965","_type":"span","marks":[],"text":"Due to slightly elevated blood pressure and being a former smoker, he qualifies for an enhanced annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"f2f3c257b12c","_type":"block","children":[{"_key":"d984252ed0d0","_type":"span","marks":[],"text":"Selects an inflation-linked annuity with 50% spouse protection"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"273cf381ffec","_type":"block","children":[{"_key":"c1088969a698","_type":"span","marks":[],"text":"Outcome for Robert:"}],"markDefs":[],"style":"h4"},{"_key":"6c5a8765a447","_type":"block","children":[{"_key":"8a19536d8d3f","_type":"span","marks":["strong"],"text":"Guaranteed income"},{"_key":"3926a948ea62","_type":"span","marks":[],"text":": Robert receives £13,500 per year for life, with annual increases matching inflation"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2d5a9ed1c94e","_type":"block","children":[{"_key":"b8930c3f3cc2","_type":"span","marks":["strong"],"text":"Security"},{"_key":"fe554f3d3348","_type":"span","marks":[],"text":": Market fluctuations have no impact on his retirement income"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"505b807e4a90","_type":"block","children":[{"_key":"7966cf621305","_type":"span","marks":["strong"],"text":"Simplicity"},{"_key":"d381568637d1","_type":"span","marks":[],"text":": Robert doesn't need to make ongoing investment decisions or worry about withdrawal rates"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aa4ac7da995d","_type":"block","children":[{"_key":"28b0ef08ff38","_type":"span","marks":["strong"],"text":"Health advantage"},{"_key":"4ad13e56f3cf","_type":"span","marks":[],"text":": His health conditions actually benefited him by securing a higher annuity rate"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b18bf93b3f1a","_type":"block","children":[{"_key":"899a98b762ac","_type":"span","marks":["strong"],"text":"Peace of mind"},{"_key":"0053f06d4816","_type":"span","marks":[],"text":": 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The characters \"Linda\" and \"Robert\" are fictional, and their financial situations, pension choices, and outcomes are hypothetical examples created to illustrate different retirement income options. The figures, growth rates, and scenarios described do not represent guaranteed results or predictions of actual market performance. Individual circumstances vary significantly, and actual outcomes from pension drawdown or annuity purchases may differ substantially from these examples."}],"markDefs":[],"style":"small"},{"_key":"c5439548822d","_type":"block","children":[{"_key":"59610e73ba0b","_type":"span","marks":[],"text":""},{"_key":"a2bbdc3bbd40","_type":"mainAnchor","pageAnchor":{"_ref":"86c929a9-6da7-4514-b5ef-141bb1e68bb3","_type":"reference"}},{"_key":"a2a98bc43f4f","_type":"span","marks":[],"text":"Why are annuity rates going up?"}],"markDefs":[],"style":"h2"},{"_key":"36b56203e4b1","_type":"block","children":[{"_key":"170dc4c867a9","_type":"span","marks":["strong"],"text":"Annuity rates rise when interest rates rise, since providers use your pension savings to buy government bonds (gilts) and higher rates mean better returns. When the cost of living crisis pushed interest rates up, annuity rates rose with them - making annuities more attractive to retirees who want a guaranteed income."}],"markDefs":[],"style":"normal"},{"_key":"f07e599853fa","_type":"block","children":[{"_key":"d83acaf1afad0","_type":"span","marks":[],"text":"The amount you get from an annuity is strongly connected to interest rates and also to long-term government bonds. In recent years, the cost of living crisis sent interest rates higher - and annuity rates have increased too. This means that annuities are back on the radar for many and rates have risen significantly."}],"markDefs":[],"style":"normal"},{"_key":"88fee7a45d96","_type":"block","children":[{"_key":"388926f517a3","_type":"span","marks":[],"text":"According to Standard Life's Annuity Rate Tracker, average annuity rates rose to 7.62% in March 2026, and annuity rates proved resilient, rising 1.46% in the first quarter of 2026 compared with the end of Q4 2025. This is despite a volatile market backdrop. In practice, this means a healthy 65-year-old with a £100,000 pension pot could expect to receive up to £7,620 per annum.[1]"}],"markDefs":[],"style":"normal"},{"_key":"0df3b452b0e4","_type":"block","children":[{"_key":"ab1b28d60cd6","_type":"span","marks":[],"text":"Rates do vary by age too - as of March 2026, rates for a healthy 60-year-old were 6.85% compared to 8.35% for a healthy 70-year-old, resulting in an annual income of £6,850 for a 60-year-old versus £8,350 for a 70-year-old on a £100,000 pension pot.[2]"}],"markDefs":[],"style":"normal"},{"_key":"e9baf5b89868","_type":"block","children":[{"_key":"9614ba2b0501","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e653e19a39f5","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities - Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"bf50fd180482","_type":"block","children":[{"_key":"310423868d0f","_type":"span","marks":[],"text":"Annuity rates have continued to improve over the last twelve months and continue to offer retirees even stronger total incomes. Almost all (98%) people consider income security as an important factor when deciding what to do with their pension pot, and a similar amount (95%) prioritise certainty of income, so it’s easy to understand why annuities are an increasingly popular choice."}],"markDefs":[],"style":"normal"}]},{"_key":"e96650c2f3b2","_type":"block","children":[{"_key":"40cbc1d5ba38","_type":"span","marks":[],"text":""},{"_key":"749086412dbf","_type":"mainAnchor","pageAnchor":{"_ref":"c5882aca-7276-4c3e-9f08-dde56c92dde7","_type":"reference"}},{"_key":"2a6d41752fb9","_type":"span","marks":[],"text":"Is an annuity right for you?"}],"markDefs":[],"style":"h2"},{"_key":"74db4153dff8","_type":"block","children":[{"_key":"aa56733e860a","_type":"span","marks":[],"text":"Just because annuity rates look attractive does not mean they're necessarily the right choice for you. "}],"markDefs":[],"style":"normal"},{"_key":"15a795c1597c","_type":"block","children":[{"_key":"ed0ad44436d0","_type":"span","marks":[],"text":"Remember that if you opt for an annuity, your pension is no longer invested and so could potentially miss out on stock market growth that it might otherwise get if you left it in drawdown instead. This is especially relevant now that many of us live for as much as two decades or more after we retire. If all goes to plan, that could leave a lot more time for your pot to grow. So an annuity, though giving you a guaranteed income, can be more restrictive."}],"markDefs":[],"style":"normal"},{"_key":"de166a62b812","_type":"block","children":[{"_key":"99da3437cc55","_type":"span","marks":[],"text":"Equally, while pension drawdown enables you to be flexible with your retirement income, leaving some of your savings invested carries an inherent risk that the value of your pot could go down. "}],"markDefs":[],"style":"normal"},{"_key":"fb32d7969c5f","_type":"block","children":[{"_key":"73451e0fa837","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"57465268604a","_type":"blockQuote","adviserName":"Pete Cowell","jobTitle":"Head of Annuities – Individual Retirement, Standard Life","photo":{"_type":"mainImage","alt":"Pete Cowell, Head of Annuities – Individual Retirement at Standard Life on rising annuity rates"},"quote":[{"_key":"1b0acd906522","_type":"block","children":[{"_key":"efc3113529940","_type":"span","marks":[],"text":"When it comes to retirement planning, people need to consider what they expect their retirement to look like, based on their individual circumstances, and work out how best to make the most of their retirement savings. What’s becoming more appealing is the idea of a blended approach, with annuities and drawdown working in combination to meet different needs in retirement. This approach allows a portion of savings left in flexible drawdown and with the potential to grow, and the annuitised portion providing an element of guarantee to cover essential costs in retirement."}],"markDefs":[],"style":"normal"}]},{"_key":"b2350432e6c4","_type":"block","children":[{"_key":"12303603d39e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ef13294dd47","_type":"block","children":[{"_key":"c25ec2a9ee0c","_type":"span","marks":[],"text":"If you're deciding between pension drawdown or an annuity - or indeed, a blend of the two - it's always advisable to "},{"_key":"2900326bede3","_type":"span","marks":["426eba4e6909"],"text":"contact a financial adviser"},{"_key":"5194506cea8d","_type":"span","marks":[],"text":" who can help you make the right decision. They will be able to assess your unique circumstances and retirement goals and use these to guide you towards the right choice. "}],"markDefs":[{"_key":"426eba4e6909","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"cc4014eb2761","_type":"block","children":[{"_key":"feb05712e2fe","_type":"span","marks":[],"text":"Head over to our "},{"_key":"eee3bf7cba66","_type":"span","marks":["943a4bc9e150"],"text":"adviser directory"},{"_key":"92ff157187b3","_type":"span","marks":[],"text":" and use the advanced filter to find ones that specialise in 'Pensions' and 'Pensions -Approaching retirement' to get started."}],"markDefs":[{"_key":"943a4bc9e150","_type":"internalLinkPick","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"}}],"style":"normal"},{"_key":"d65c1705b888","_type":"block","children":[{"_key":"95a23dfb3da1","_type":"span","marks":[],"text":""},{"_key":"a56e3e6dae35","_type":"mainAnchor","pageAnchor":{"_ref":"9eb0fcab-82c0-47e6-ba32-cfb90693f61b","_type":"reference"}},{"_key":"9c3ebc5472b2","_type":"span","marks":[],"text":"3 things to check before you access your pension"}],"markDefs":[],"style":"h2"},{"_key":"b16244860887","_type":"block","children":[{"_key":"ac2592086b32","_type":"span","marks":[],"text":"There are a few things you can think about first that can help you begin to understand your choices. Here are three simple things you can do to make sure you're making the right decision for you."}],"markDefs":[],"style":"normal"},{"_key":"ac18ba81fa6a","_type":"block","children":[{"_key":"d1ca4dd6a5a40","_type":"span","marks":[],"text":"1. How much have you saved for retirement?"}],"markDefs":[],"style":"h3"},{"_key":"bca1ca5a6e42","_type":"block","children":[{"_key":"f002c0ef92e5","_type":"span","marks":[],"text":"First things first, you need to know exactly how much you have saved up for your retirement to get a clear idea of what options are on the table. Beyond your "},{"_key":"59cef8427b46","_type":"span","marks":["2ab1a9c794dc"],"text":"State Pension"},{"_key":"a5b9f4c659d0","_type":"span","marks":[],"text":", you might also have accrued significant savings from "},{"_key":"8e7692ce8df9","_type":"span","marks":["521321c19ecd"],"text":"workplace pension "},{"_key":"9876e5badd56","_type":"span","marks":[],"text":"schemes (some of which could have been forgotten about or left behind) and/or "},{"_key":"19c573218afd","_type":"span","marks":["d7531acb1dbc"],"text":"personal pension "},{"_key":"ee2de3e172ac","_type":"span","marks":[],"text":"pots. It's essential to track all this information down before you decide how you're going to access your retirement savings."}],"markDefs":[{"_key":"2ab1a9c794dc","_type":"internalLinkPick","reference":{"_ref":"24becfe8-66e5-4cc0-a93d-d43dba6dc2f4","_type":"reference"}},{"_key":"521321c19ecd","_type":"internalLinkPick","reference":{"_ref":"44d52042-2125-46bc-9a05-58ce2c9d7039","_type":"reference"}},{"_key":"d7531acb1dbc","_type":"internalLinkPick","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"}}],"style":"normal"},{"_key":"736389284a35","_type":"block","children":[{"_key":"346573786626","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"abc07790d77c","_type":"block","children":[{"_key":"94bbc8389db5","_type":"span","marks":[],"text":"2. What are your pension access options?"}],"markDefs":[],"style":"h3"},{"_key":"e04e17f8d049","_type":"block","children":[{"_key":"0174611fbacb","_type":"span","marks":[],"text":"Once you better understand how much money you're sitting on, you should check what your current pension provider offers in terms of how you can access your funds. Some will only offer drawdown, for example, so you might want to switch providers if you decide to go with an annuity instead. You have the right to choose. "}],"markDefs":[],"style":"normal"},{"_key":"799842c24ba2","_type":"block","children":[{"_key":"f0653f473626","_type":"span","marks":[],"text":"It’s also important to know that you can have both an annuity "},{"_key":"cd03f0ad0261","_type":"span","marks":["em"],"text":"and"},{"_key":"e5efdc457082","_type":"span","marks":[],"text":" a drawdown pension – they’re not mutually exclusive. If you're not sure which one suits your needs best, or if having both makes more sense, it's a good idea to get in touch with a financial adviser who can give you tailored advice on what suits your needs most."}],"markDefs":[],"style":"normal"},{"_key":"fb42d65cd7a7","_type":"block","children":[{"_key":"6c4f23693737","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"799d567bdce1","_type":"block","children":[{"_key":"34189b588f50","_type":"span","marks":["strong"],"text":"Find a financial adviser to help you decide"}],"markDefs":[],"style":"normal"}],"_key":"d4f354f5677a","_type":"ctaWidget","reference":{"_ref":"63a19438-721c-4042-b811-f8f2af951e0e","_type":"reference"},"text":"SEARCH"},{"_key":"3eff1c3f27f4","_type":"block","children":[{"_key":"c2439b747feb","_type":"span","marks":[],"text":"3. How do you find the best annuity rates?"}],"markDefs":[],"style":"h3"},{"_key":"3cdac228a7b7","_type":"block","children":[{"_key":"04a5b4866a02","_type":"span","marks":[],"text":"If you're considering buying an annuity, your current pension provider might not be offering very competitive rates - and they might not offer annuities at all! "}],"markDefs":[],"style":"normal"},{"_key":"dba33b65e91b","_type":"block","children":[{"_key":"79a412c6acd2","_type":"span","marks":[],"text":"The government-backed MoneyHelper website has a helpful and easy-to-use "},{"_key":"0a113f739c39","_type":"span","marks":["872d1c5ba6fe"],"text":"annuity comparison tool"},{"_key":"b66c6478ae14","_type":"span","marks":[],"text":". This will compare the market for you and give a forecast of what you might be able to expect in terms of an annual income. You'll need to input some basic info including your age, marital status, your health, and any medical conditions. "}],"markDefs":[{"_key":"872d1c5ba6fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"be50f745-9def-45c8-b578-e4de0eb30942","_type":"reference"}}],"style":"normal"},{"_key":"90ebd0bff563","_type":"block","children":[{"_key":"dab9c404034c","_type":"span","marks":[],"text":"The difference between even the main providers can be material - sometimes as much as thousands of pounds per year - so this is a super important step if you want to find the best annuity deal for you."}],"markDefs":[],"style":"normal"},{"_key":"14c7ea058889","_type":"block","children":[{"_key":"c4e3b78dca73","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2fe9e64add26","_type":"textboxWidget","image":{"_type":"mainImage","blankAltTag":true},"text":[{"_key":"e844817b16ea","_type":"block","children":[{"_key":"d5181adf541d","_type":"span","marks":[],"text":"❗ If in doubt, get professional advice"}],"markDefs":[],"style":"h4"},{"_key":"4fbc56829487","_type":"block","children":[{"_key":"310746d09d2a","_type":"span","marks":[],"text":"It's crucial to remember that you only get to buy an annuity once and you can’t change your mind, so it has to be the right decision for you. Still not sure? Don't fret, there's plenty of support out there."},{"_key":"615e16c93d8b","_type":"span","marks":["201701463bc4"],"text":" "},{"_key":"022ed599358a","_type":"span","marks":["6693fe9a37fe"],"text":"MoneyHelper"},{"_key":"fc9d8e506345","_type":"span","marks":[],"text":" has a free and impartial phone line for help with your pension and retirement income plans. Or, if you're conscious about costs but still want to chat with a financial adviser, many offer a single, fixed fee, one-off session which can help you in one fell swoop."}],"markDefs":[{"_key":"201701463bc4","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}},{"_key":"6693fe9a37fe","_type":"internalLinkPick","blank":true,"reference":{"_ref":"95fd1bd1-7e26-4160-a7a9-9f39db7952d5","_type":"reference"}}],"style":"normal"}]},{"_key":"058a59037f09","_type":"block","children":[{"_key":"90cfc6379690","_type":"span","marks":[],"text":""},{"_key":"fe73c001c7e2","_type":"mainAnchor","pageAnchor":{"_ref":"d87b9541-0883-4622-ba83-89e8bb056efd","_type":"reference"}},{"_key":"f9420568d143","_type":"span","marks":[],"text":"Got a question about pensions?"}],"markDefs":[],"style":"h2"},{"_key":"3a653433c844","_type":"block","children":[{"_key":"9b6eb7f615c7","_type":"span","marks":[],"text":"Got a burning question about pension drawdown, annuities or something else related to pensions? Check out "},{"_key":"f07420df8f25","_type":"span","marks":["8160a1815897"],"text":"previous reader questions and answers about pensions"},{"_key":"eea1f7f4b76a","_type":"span","marks":[],"text":" from Boring Money experts."}],"markDefs":[{"_key":"8160a1815897","_type":"internalLinkPick","reference":{"_ref":"ecb2d1ae-9857-425e-9701-869394aeb996","_type":"reference"}}],"style":"normal"},{"_key":"09aa26fe185b","_type":"block","children":[{"_key":"ad677ce8e1b3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3696d99fed73","_type":"block","children":[{"_key":"5f59b7ffe3e7","_type":"span","marks":[],"text":"---"}],"markDefs":[],"style":"normal"},{"_key":"c38668f1e29a","_type":"block","children":[{"_key":"d853051665e3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4df422030f9d","_type":"block","children":[{"_key":"5dd4e4b48f2f","_type":"span","marks":[],"text":"[1]"},{"_key":"9c7c061ab333","_type":"span","marks":["44e5db2c69b1"],"text":" Standard Life,  2026"}],"markDefs":[{"_key":"44e5db2c69b1","_type":"internalLinkPick","blank":true,"reference":{"_ref":"094a0d2c-1a8e-4254-8c20-cd1de019a4b7","_type":"reference"}}],"style":"normal"},{"_key":"0f04a9a73e5c","_type":"block","children":[{"_key":"46304510fa73","_type":"span","marks":[],"text":"[2] "},{"_key":"f9dc9381b4b9","_type":"span","marks":["af5a283358c2"],"text":"Standard Life, 202"},{"_key":"6d70b65b632f","_type":"span","marks":[],"text":"6"}],"markDefs":[{"_key":"af5a283358c2","_type":"internalLinkPick","blank":true,"reference":{"_ref":"094a0d2c-1a8e-4254-8c20-cd1de019a4b7","_type":"reference"}}],"style":"normal"}],"brazeCustomAttributes":[{"_key":"4aa2e843c3d3","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_Article_Gated","customAttributeValue":"https://www.boringmoney.co.uk/learn/articles/annuity-vs-drawdown-3-things-to-keep-in-mind-to-find-the-right-pension-for-you/"}],"brazeSubscriptionRef":null,"categories":[{"_key":"464c3dd9533b","_ref":"9ab6bf4b-004d-406c-a98e-73803ef7ca1c","_type":"reference"},{"_key":"1bf7ed2484ec","_ref":"56cb73af-6356-4d23-ba58-a4d5301e6f9b","_type":"reference"}],"emailSignupWidgetButtonText":"Read the full article","emailSignupWidgetParagraphText":"Unlock this article to discover 3 things to help you choose between an annuity and drawdown!","enableComments":true,"enableGatedContent":false,"excerpt":[{"_key":"74fe427b34e7","_type":"block","children":[{"_key":"e0687b969b72","_type":"span","marks":[],"text":"There are two main ways to access your pension: annuity or drawdown. We explain how each works and how to pick the right one for you."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"b332608eada2","_type":"block","children":[{"_key":"f2ab946da0cf","_type":"span","marks":[],"text":"At the point of retirement, we face two key choices when it comes to what we do with the money we've been saving all these years. We can either go into 'drawdown' to use our money as and when we need it, or take out an 'annuity' to secure a guaranteed income for life."}],"markDefs":[],"style":"normal"},{"_key":"6b46c95f8d9f","_type":"block","children":[{"_key":"208704f817cf","_type":"span","marks":[],"text":"Recently, annuities have been in the news as higher interest rates have renewed their popularity. But which option is truly best for your unique circumstances? The right choice depends on your retirement goals, financial attitude, and several other key factors."}],"markDefs":[],"style":"normal"},{"_key":"ce916cb4c9a0","_type":"block","children":[{"_key":"4af7246747c5","_type":"span","marks":[],"text":"Making Sense of Your Pension Options"}],"markDefs":[],"style":"h2"},{"_key":"0615f38588ae","_type":"block","children":[{"_key":"32a17e5de22f","_type":"span","marks":[],"text":"Standard Life's Annuity Rate Tracker shows that annuity rates for a healthy 65-year-old have increased by around 8% over the past 12 months. This translates to an annual income of £7,360 based on a £100,000 pension pot – an increase of £550 compared to January last year."}],"markDefs":[],"style":"normal"},{"_key":"d4cc8395c0f6","_type":"block","children":[{"_key":"c27ab29f3836","_type":"span","marks":[],"text":"When deciding between drawdown and annuities, you'll need to consider:"}],"markDefs":[],"style":"normal"},{"_key":"017be41652f5","_type":"block","children":[{"_key":"9c5c84c3da30","_type":"span","marks":[],"text":"Your attitude toward investment risk and market fluctuations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c0909da8d8d0","_type":"block","children":[{"_key":"6660440b4c6d","_type":"span","marks":[],"text":"Whether you need guaranteed income or prefer flexibility"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"78b2e8f51391","_type":"block","children":[{"_key":"def349632dc9","_type":"span","marks":[],"text":"How your spending might change throughout retirement"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"dd64a2e0dd6f","_type":"block","children":[{"_key":"4d2ea8c7ed0f","_type":"span","marks":[],"text":"The potential advantages of a blended approach for different needs"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"99fda64b78ad","_type":"block","children":[{"_key":"5eefce6d5a8d","_type":"span","marks":[],"text":"The Key Differences"}],"markDefs":[],"style":"h2"},{"_key":"4795750d4403","_type":"block","children":[{"_key":"ef04d2984fb1","_type":"span","marks":[],"text":"Pension drawdown keeps your money invested while allowing you to take flexible withdrawals. You can take up to 25% as tax-free cash, with the remainder staying invested with potential for growth – though values can fall as well as rise."}],"markDefs":[],"style":"normal"},{"_key":"6fa5eed31a1e","_type":"block","children":[{"_key":"62904b2e60d0","_type":"span","marks":[],"text":"Annuities, on the other hand, exchange your pension savings for a guaranteed income. Once purchased, they provide certainty but limit flexibility. With today's improved rates, they're becoming an increasingly attractive option for many retirees."}],"markDefs":[],"style":"normal"},{"_key":"72cdeeeed93f","_type":"block","children":[{"_key":"43786a67942f","_type":"span","marks":[],"text":"As Dennis Hall, Chartered Financial Planner, explains:"}],"markDefs":[],"style":"normal"},{"_key":"3c0a04919ba9","_type":"block","children":[{"_key":"090b5595b0c8","_type":"span","marks":[],"text":"\"Annuities suit people who are looking for an element of certainty in their finances. They won't necessarily purchase an annuity with their whole pension fund but may want to ensure their basic costs of living are covered by a guaranteed income.\""}],"markDefs":[],"style":"blockquote"},{"_key":"582e3d15a23a","_type":"block","children":[{"_key":"75afb709afb7","_type":"span","marks":[],"text":"Real-Life Decision Making"}],"markDefs":[],"style":"h2"},{"_key":"cf3a858f03e6","_type":"block","children":[{"_key":"aa9cb34eff42","_type":"span","marks":[],"text":"To understand how these options work in practice, let's consider the approach of two retirees with identical £300,000 pension pots but different priorities."}],"markDefs":[],"style":"normal"},{"_key":"f77afad3199b","_type":"block","children":[{"_key":"3ac6a9fc73e0","_type":"span","marks":[],"text":"Linda and Robert are both 66 years old and recently retired. They're facing the same decision you might be contemplating: drawdown or annuity? Their different retirement goals and financial attitudes led them to make different choices."}],"markDefs":[],"style":"normal"},{"_key":"e6f793a2c39d","_type":"block","children":[{"_key":"488c8d779f8a","_type":"span","marks":[],"text":"Which approach delivered better results? And what lessons can we learn from their experiences?"}],"markDefs":[],"style":"normal"},{"_key":"a33e4c98ca60","_type":"block","children":[{"_key":"afc2d4a6da3a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"f449a7db45a8","_ref":"4b8d6fb7-281c-4e6d-8690-80e57c8c2389","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":" ","asset":{"_ref":"image-cf83c5788718de29326400470bdd01ad0efa2366-2880x1620-png","_type":"reference"}},"publishedAt":"2026-07-29T16:07:17.522Z","slug":{"_type":"slug","current":"ways-to-access-your-pension-is-annuity-or-drawdown-right-for-you"},"template":"C-SB","textNextToKey":"Sign up for free to read more","title":"Ways to access your pension: is annuity or drawdown right for you?","widgets":[{"_key":"8df873bb7099","_ref":"4dd91a6a-d4d0-4bfa-bca5-4edc1d0808e7","_type":"reference"},{"_key":"23e0920fe4f6","_ref":"e8fc4cc6-81e5-475e-902c-3609eb8b7a4e","_type":"reference"},{"_key":"819d36c4a3e7","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"84480d60197b","_ref":"a94e9c35-bdf2-4791-a7bd-d9ff612732c0","_type":"reference"},{"_key":"4ed2091d98cb","_ref":"92f96c95-dfab-424a-a570-d567d98c9c29","_type":"reference"},{"_key":"0cc64f0e9d0c","_ref":"40fb6909-a808-463f-a977-1e0b955a6b7b","_type":"reference"}],"id":"-1edab11c-f36a-5a24-b6f2-bdea703b250e","children":[],"parent":null},"text":"TELL ME"},{"_key":"954b38f4eb68","_type":"block","children":[{"_key":"df44ecfabb54","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7a3f253ff758","_type":"block","children":[{"_key":"1d01a10a74df","_type":"span","marks":[],"text":""},{"_key":"1efd08dfc6ff","_type":"mainAnchor","pageAnchor":{"_ref":"4fb202b7-6246-4faa-b97d-bee6f208d1d1","_type":"reference"}},{"_key":"2feb83c206cb","_type":"span","marks":[],"text":"Is a personal pension right for me?"}],"markDefs":[],"style":"h2"},{"_key":"2f12fd40cc34","_type":"block","children":[{"_key":"f3cd487d2612","_type":"span","marks":[],"text":"Is it a good idea for you to open a SIPP? 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It's worth considering if you've maxed out your employer's pension contributions, want more say in what you invest in, or want the flexibility to save in lump sums. Yet according to Boring Money research, only 14% of non-retired individuals have a personal pension in place."}],"markDefs":[],"style":"normal"},{"_key":"3e8edf8a6ee8","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"b0bc879f068d","_type":"block","children":[{"_key":"33dd9be24012","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9437dafa5f26","_type":"block","children":[{"_key":"82c8e9d9b9ae0","_type":"span","marks":[],"text":"So, should you be opening a SIPP? How could it benefit you? How do you know if your current "},{"_key":"73f56fa2bbc3","_type":"span","marks":["81fcd0b5a8af"],"text":"workplace pension"},{"_key":"a2b94800de14","_type":"span","marks":[],"text":" scheme ticks all your boxes already? In this article, we’ll run through three scenarios where it may make sense for you to open a SIPP and get in the driving seat of your own retirement saving journey."}],"markDefs":[{"_key":"81fcd0b5a8af","_type":"internalLinkPick","blank":true,"reference":{"_ref":"23b9261b-132d-4afd-9aef-bd03b94b6ac5","_type":"reference"}}],"style":"normal"},{"_key":"718af1780217","_type":"block","children":[{"_key":"f66b663431f9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5123ee3d4ff7","_type":"block","children":[{"_key":"e028e345ab4c","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"18ae3be62fca","_type":"block","children":[{"_key":"b68e0f72e880","_type":"span","marks":[],"text":""},{"_key":"484bad86924c","_type":"mainAnchor","pageAnchor":{"_ref":"c57dd521-e66a-4572-93fb-8f59bb7d3d36","_type":"reference"}},{"_key":"0b11592db221","_type":"span","marks":[],"text":"1. Have you maxed out your workplace pension match?"}],"markDefs":[],"style":"h3"},{"_key":"2c9c3515b38f","_type":"block","children":[{"_key":"883994922d1f","_type":"span","marks":["strong"],"text":"Before you look at a SIPP, check whether your employer will match extra contributions above the legal minimum - if you're not claiming the full match, that's free money you're leaving on the table."}],"markDefs":[],"style":"normal"},{"_key":"66024fa7e53c","_type":"block","children":[{"_key":"821a48d9db6e0","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"a3f3b2aecc10","_type":"block","children":[{"_key":"f22e1da859b10","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. Overall, your total contributions will amount to 8% of your pre-tax income."}],"markDefs":[],"style":"normal"},{"_key":"afa3c62cf71f","_type":"block","children":[{"_key":"1ca529a037d1","_type":"span","marks":[],"text":""},{"_key":"07dd292f3ea7","_type":"mainAnchor","pageAnchor":{"_ref":"983d6990-0c81-416f-b524-87f8043cd9e6","_type":"reference"}},{"_key":"66a3f7bdcaff0","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h4"},{"_key":"f8881db68950","_type":"tableControl","rows":[{"_key":"d28ca5c3760c","_type":"row","cells":[{"_key":"96ee4934c73c","_type":"cell","tableStyle":"LB","value":[{"_key":"c0d2a5644e75","_type":"block","children":[{"_key":"b3ef0bd2386c","_type":"span","marks":["strong"],"text":"Employer minimum contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"43aee05ef10e","_type":"cell","tableStyle":"LB","value":[{"_key":"3a7a393191bc","_type":"block","children":[{"_key":"c8f2468622f3","_type":"span","marks":["strong"],"text":"Employee contribution"}],"markDefs":[],"style":"normal"}]},{"_key":"25ea283f2856","_type":"cell","tableStyle":"LB","value":[{"_key":"12501fbee993","_type":"block","children":[{"_key":"6a0accb2c7970","_type":"span","marks":["strong"],"text":"Total contributions"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e23cb67f6e94","_type":"row","cells":[{"_key":"eefd6be643a9","_type":"cell","tableStyle":"W","value":[{"_key":"1b757c1e4371","_type":"block","children":[{"_key":"529ed6d14a420","_type":"span","marks":[],"text":"3%"}],"markDefs":[],"style":"normal"}]},{"_key":"aced01a57672","_type":"cell","tableStyle":"W","value":[{"_key":"e9256a8b1092","_type":"block","children":[{"_key":"c86f899aad99","_type":"span","marks":[],"text":"5%"}],"markDefs":[],"style":"normal"}]},{"_key":"0383a0eac3c8","_type":"cell","tableStyle":"W","value":[{"_key":"8d07cc607a79","_type":"block","children":[{"_key":"7afe0bbd63f3","_type":"span","marks":[],"text":"8%"}],"markDefs":[],"style":"normal"}]}]}]},{"_key":"667702672ded","_type":"block","children":[{"_key":"0c79d01af182","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0600c167aa69","_type":"block","children":[{"_key":"0abcb22125c20","_type":"span","marks":[],"text":"However, this is just the legal minimum in the UK and many pension schemes will allow either you, your employer or both of you to contribute more. Some employers will match your contributions up to a certain amount - for example, 10%."}],"markDefs":[],"style":"normal"},{"_key":"25e70a5fe7dc","_type":"block","children":[{"_key":"2fcb9b6e914a0","_type":"span","marks":[],"text":"The first and most important thing to do if you’re thinking of paying more into a pension is to check if you’re making the most of your workplace scheme. It will typically be more straightforward to simply up your contributions into your existing plan than to go about setting up a SIPP."}],"markDefs":[],"style":"normal"},{"_key":"619b0b25ae35","_type":"block","children":[{"_key":"670caf5d0f9d0","_type":"span","marks":[],"text":"Yet, not everyone’s workplace pension works this way. Some people have a defined benefit (DB) - sometimes called a final salary - scheme. Many of those who work in the civil service or healthcare (e.g. the NHS) have this type of plan, which typically guarantees you a predetermined income for life. It’s often dependent on how many years you’ve been an employee and your salary at the point of retirement. "}],"markDefs":[],"style":"normal"},{"_key":"9ce6c756ef9d","_type":"block","children":[{"_key":"cbc56b0396000","_type":"span","marks":[],"text":"Some DB pension schemes allow you to make additional contributions, so make sure you check the details of your arrangement to find out if you can make your own top-ups."}],"markDefs":[],"style":"normal"},{"_key":"89ecdb10f325","_type":"block","children":[{"_key":"c6d0be1b1e1d0","_type":"span","marks":[],"text":"If you’ve already checked, made sure you’re making the most of your workplace scheme and you still want to save more towards your retirement - this is where a SIPP starts to make a lot of sense. Let’s say you’ve already maxed out your employer contributions and you’ve got some extra cash at the end of the month that you want to put to good use, you could use a SIPP to tuck this away for later in life. "}],"markDefs":[],"style":"normal"},{"_key":"e928f5ae2639","_type":"block","children":[{"_key":"0f756403676c","_type":"span","marks":[],"text":""},{"_key":"44835bdefd54","_type":"mainAnchor","pageAnchor":{"_ref":"00961fa6-d9b1-495e-b4de-b62e8b9fd0cb","_type":"reference"}},{"_key":"6bb083caa2e7","_type":"span","marks":[],"text":"2. Do you want more control over how your pension is invested?"}],"markDefs":[],"style":"h3"},{"_key":"6c7c983329ac","_type":"block","children":[{"_key":"926692681a11","_type":"span","marks":["strong"],"text":"If your workplace scheme limits you to a small set of pre-selected funds and you'd rather choose your own investments, a SIPP hands you that control directly."}],"markDefs":[],"style":"normal"},{"_key":"bd8ccbc810ca","_type":"block","children":[{"_key":"5f6b1eb9e9770","_type":"span","marks":[],"text":"For many employees, your workplace will have an existing pension scheme which you’re signed up to when you join the company. In some cases, you may be able to switch to a different plan or different provider, but for many there is limited choice and it’s easy to end up “stuck” with the arrangement your workplace has sorted out on your behalf."}],"markDefs":[],"style":"normal"},{"_key":"6eba4b115267","_type":"block","children":[{"_key":"7a9c11a4623c0","_type":"span","marks":[],"text":"This might not be ideal for you. Maybe you’re not comfortable with what your pension is invested in – oil, gas and other so-called “sin stocks” frequently appear in pension funds due to the popularity of these behemoth firms. Perhaps you’d prefer to invest in more "},{"_key":"aa8ffd93c174","_type":"span","marks":["ecd15fed90bc"],"text":"“green”, “sustainable” or “ethical” firms"},{"_key":"a70153a43df1","_type":"span","marks":[],"text":", putting your long-term savings behind the companies striving to make the world a better place. Or maybe your current scheme is too restrictive and you’d like to select your own stocks to make your perfect retirement pick ‘n’ mix."}],"markDefs":[{"_key":"ecd15fed90bc","_type":"internalLinkPick","blank":true,"reference":{"_ref":"1e0e83fa-90a0-4e78-be1b-ee4791f3e6e5","_type":"reference"}}],"style":"normal"},{"_key":"1fc67a28aa86","_type":"block","children":[{"_key":"04c17e15a2250","_type":"span","marks":[],"text":"SIPPs are designed to let you have more control over what your retirement savings are invested in. There are dozens of SIPP providers on the market to choose from, offering a choice of thousands of "},{"_key":"7ccbecc9467c","_type":"span","marks":["7fdfa1dc161e"],"text":"shares"},{"_key":"2c4a94b85ac7","_type":"span","marks":[],"text":", "},{"_key":"5a3965f0abcf","_type":"span","marks":["abf904037bde"],"text":"funds"},{"_key":"3609c71ae1c2","_type":"span","marks":[],"text":", "},{"_key":"caacae372f18","_type":"span","marks":["5f6dc3538cb4"],"text":"ETFs"},{"_key":"76aca355d1bc","_type":"span","marks":[],"text":", "},{"_key":"73d1a7969faf","_type":"span","marks":["b98a9ffb2c50"],"text":"investment trusts"},{"_key":"5673798de521","_type":"span","marks":[],"text":", "},{"_key":"112076e51675","_type":"span","marks":["b5cf28a91405"],"text":"ready-made options"},{"_key":"519067535ba1","_type":"span","marks":[],"text":" and more to help you select the investments you really want to put your money into. If your workplace pension isn’t ticking all your boxes, setting up a SIPP could give you the level of control you’re looking for."}],"markDefs":[{"_key":"7fdfa1dc161e","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}},{"_key":"abf904037bde","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}},{"_key":"5f6dc3538cb4","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"b98a9ffb2c50","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"b5cf28a91405","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"fcb8d5e14ef5","_type":"block","children":[{"_key":"9c4da6024540","_type":"span","marks":[],"text":""},{"_key":"be170f3754b9","_type":"mainAnchor","pageAnchor":{"_ref":"cc2e8356-3373-4b3a-a835-ab8d44af5a48","_type":"reference"}},{"_key":"086fb65c1523","_type":"span","marks":[],"text":"3. Do you want the flexibility to save at your own pace?"}],"markDefs":[],"style":"h3"},{"_key":"30afd7420b65","_type":"block","children":[{"_key":"35b67ff3044a0","_type":"span","marks":["strong"],"text":"Finally, if you occasionally receive some extra cash in a lump sum – say as a gift or an inheritance – and you’d like the option to pop it into your pension on your own terms, you may want to consider a SIPP?"}],"markDefs":[],"style":"normal"},{"_key":"213c242f26aa","_type":"block","children":[{"_key":"2ff6fc6e2eaf0","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the flexibility it gives you to add to your pot whenever you want. Many SIPP providers offer reduced (or altogether waived) trading fees if you set up a regular investment plan – essentially a monthly direct debit straight into your pension. However, even if you’re not able to commit to regular payments, opening a SIPP gives you the freedom to pop some cash into your pension whenever you have the means to do so."}],"markDefs":[],"style":"normal"},{"_key":"51c934dd72f0","_type":"block","children":[{"_key":"cc14e97307350","_type":"span","marks":[],"text":"When you’re shopping around for SIPPs, make sure to pay attention to the discounts available if you set up a regular investment plan. If you’re a keen investor who’s likely to make a number of trades over the course of a year, it may well be worth doing this to save yourself on the cost of trading."}],"markDefs":[],"style":"normal"},{"_key":"030ca7f5f4b4","_type":"block","children":[{"_key":"c87f536925ad","_type":"span","marks":[],"text":""},{"_key":"8cb2070eb72b","_type":"mainAnchor","pageAnchor":{"_ref":"c759fe7b-4a35-4be0-af0a-347546b39c54","_type":"reference"}},{"_key":"10358f30fa2c0","_type":"span","marks":[],"text":"Which SIPP provider is right for you?"}],"markDefs":[],"style":"h2"},{"_key":"366cc00800da","_type":"block","children":[{"_key":"44f7048c00a70","_type":"span","marks":[],"text":"If you’ve decided that opening a SIPP makes sense for you, we can help you scour the market to find the best provider. 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See the 3 signs it's worth it - from maxing your employer's pension match to wanting tax relief and control over your own investments."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"2a7162e283f7","_type":"block","children":[{"_key":"80e160d68ae3","_type":"span","marks":["strong"],"text":"A Self-Invested Personal Pension or SIPP is a type of pension which gives you more control over what your retirement savings are invested in. They can be a sensible way of saving for later life for those unsatisfied with their workplace pension, people who want to add more to their pot, and the self-employed who need to take retirement saving into their own hands."}],"markDefs":[],"style":"normal"},{"_key":"31f9c9449cad","_type":"block","children":[{"_key":"016ef24365ba","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0e5f669d0dd6","_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"}},{"_key":"2cda4290d396","_type":"block","children":[{"_key":"8be6a4303486","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dd4aa943edc6","_type":"block","children":[{"_key":"3eafcc9b0b0a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"af557a7fe754","_type":"block","children":[{"_key":"7ba2d5502288","_type":"span","marks":[],"text":"However, according to Boring Money research, only 11% of non-retired individuals state they have a personal pension scheme in place. Breaking this down further by different levels of income, only 7% of those who earn less than £20,000 have a personal pension, compared to 24% for people who earn over £70,000. "}],"markDefs":[],"style":"normal"},{"_key":"26f04d7f9a9d","_type":"block","children":[{"_key":"d8623f0ebabe","_type":"span","marks":[],"text":"So should you be opening a SIPP? How could it benefit you? And how do you know if your current workplace pension scheme ticks all your boxes already? In this article, we’ll run through three scenarios where it may make sense for you to open a SIPP and take the wheel on your retirement saving journey."}],"markDefs":[],"style":"normal"},{"_key":"bef0113da7e6","_type":"block","children":[{"_key":"e54a838a826b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"7dab21f44665","_type":"block","children":[{"_key":"b6f0e18c61920","_type":"span","marks":["strong"],"text":"Find out more about how SIPPs work"}],"markDefs":[],"style":"normal"}],"_key":"8bedfcf6c244","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"2353d857-6858-4bcb-b4cb-2d0437afc25a","_type":"reference"},"text":"TELL ME"},{"_key":"35110dc1e439","_type":"block","children":[{"_key":"3fccfb8b43fb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dbf8278e1ca9","_type":"block","children":[{"_key":"7695b4d28805","_type":"span","marks":[],"text":"1. You want to contribute more"}],"markDefs":[],"style":"h3"},{"_key":"76756f5adc8c","_type":"block","children":[{"_key":"b1d6f3169615","_type":"span","marks":[],"text":"If you’re already paying into a workplace pension today (many will have a so-called “defined contribution” scheme), you should check if you’re maxing out your employer contributions. That is, if your employer is willing to match your contributions or pay more into your existing pot, it’s a very sensible idea to make the most of it. This will typically involve having a conversation with your HR department or at the very least talking to your line manager about your company’s pension policy."}],"markDefs":[],"style":"normal"},{"_key":"caed56ace40d","_type":"block","children":[{"_key":"837986982871","_type":"span","marks":[],"text":"Let’s say you’re currently paying the minimum contribution rate, which came into force in April 2019. This means you pay 5% of your pre-tax earnings into your workplace pension scheme while your employer puts in 3%. Overall your total contributions will amount to 8% of your pre-tax income."}],"markDefs":[],"style":"normal"},{"_key":"b7421a8da07d","_type":"block","children":[{"_key":"bb872b76d10c","_type":"span","marks":[],"text":"Workplace pension contributions explained"}],"markDefs":[],"style":"h4"},{"_key":"471d4c115f26","_type":"block","children":[{"_key":"7ac0fc3bd789","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"linkMenu":[{"_key":"579f652e3891","_ref":"db445ffb-4d38-46ec-9550-ee65398551b7","_type":"reference"}],"mainImage":{"_type":"mainImage","asset":{"_ref":"image-566e05213dc27db9008f434b2b5398097a7bdc85-1920x1080-png","_type":"reference"},"blankAltTag":true},"publishedAt":"2026-07-29T10:52:35.292Z","slug":{"_type":"slug","current":"three-reasons-to-open-a-sipp"},"template":"C-SB","textNextToKey":"Unlock this article to continue reading","title":"Should you open a SIPP? 3 signs it's the right move","widgets":[{"_key":"69fb69e5e135","_ref":"bbade7b6-31ef-4d0f-bf98-3ed8261548bd","_type":"reference"},{"_key":"879076e2b68f","_ref":"34cc9a7e-24e0-4253-b447-28bc22728d46","_type":"reference"},{"_key":"7e4a3079ae73","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"4c9341181e23","_ref":"195b9c34-aeac-46f7-a0f8-1e0f485893e3","_type":"reference"}],"id":"-a1ce0106-f6ab-5dd7-9b98-4a2bd0e916e0","children":[],"parent":null},"text":"FIND OUT"},{"_key":"7780f35dead2","_type":"block","children":[{"_key":"fe7b2db8cfa5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e0fa86f3d2d","_type":"block","children":[{"_key":"f206819400f2","_type":"span","marks":[],"text":""},{"_key":"a5170953afaf","_type":"mainAnchor","pageAnchor":{"_ref":"d5017282-7bc8-4433-bcd8-1bc15bc86641","_type":"reference"}},{"_key":"f7b926c31def2","_type":"span","marks":[],"text":"How much can I pay into a personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"785d2edd23e3","_type":"block","children":[{"_key":"6a1c63cdf64e","_type":"span","marks":[],"text":"The maximum amount most people can pay into their pensions each tax year is typically £60,000 or 100% of their salary - whichever is lowest. This includes the total of:"}],"markDefs":[],"style":"normal"},{"_key":"584d233d3bda","_type":"block","children":[{"_key":"4ed0c1dcfffe0","_type":"span","marks":[],"text":"your own contributions (plus any tax relief you receive) and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cce9b4ba775a","_type":"block","children":[{"_key":"2f147cf74a470","_type":"span","marks":[],"text":"any employer contributions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"045b27aa3d99","_type":"block","children":[{"_key":"521a86c97e760","_type":"span","marks":[],"text":"If you are unemployed or earn under £3,600 a year, then the most you can pay into your pension is £2,880 (this increases to £3,600 with the tax relief applied)."}],"markDefs":[],"style":"normal"},{"_key":"778ade774f2b","_type":"block","children":[{"_key":"e2b7ef4446f3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fea49faf329a","_type":"textboxWidget","image":{"_type":"mainImage","alt":"Pension carry forward"},"text":[{"_key":"c087fce67e17","_type":"block","children":[{"_key":"ed037c44af61","_type":"span","marks":[],"text":"Pension carry forward"}],"markDefs":[],"style":"h4"},{"_key":"e8a9c7db641c","_type":"block","children":[{"_key":"89c9d37aa8cd","_type":"span","marks":[],"text":"If you've used up all of your annual allowance, you may be able to carry over any of your allowance you didn't use up from the previous three tax years through a process called \"pension carry forward\". You can ask your pension providers for details of how much you saved into each scheme if they’ve not already sent them to you, or "},{"_key":"82e4d00bb643","_type":"span","marks":["4f3274463f7a"],"text":"use the GOV.UK's annual allowance calculator"},{"_key":"b6ddd401a910","_type":"span","marks":[],"text":" to check if your pension savings are more than your annual allowance and if you have any unused allowance to carry forward."}],"markDefs":[{"_key":"4f3274463f7a","_type":"internalLinkPick","blank":true,"reference":{"_ref":"76e458a7-bd09-4c22-a673-587b0dcfe6eb","_type":"reference"}}],"style":"normal"},{"_key":"3a3641d24309","_type":"block","children":[{"_key":"b25777b185c10","_type":"span","marks":[],"text":"‏‏‎ ‎"}],"markDefs":[],"style":"normal"}]},{"_key":"d30bc8baf9c8","_type":"block","children":[{"_key":"7a6a42d7710b","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e22e35f719c7","_type":"block","children":[{"_key":"193a193ee48d","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"da83ea6289a1","_type":"block","children":[{"_key":"bd34a1d07939","_type":"span","marks":[],"text":"The rules for the annual allowance are slightly different for higher earners due to something called the \"tapered annual allowance\" - more on this next."}],"markDefs":[],"style":"normal"},{"_key":"a0507441c59e","_type":"block","children":[{"_key":"10a5090d21ca","_type":"span","marks":[],"text":"Rules for the highest earners"}],"markDefs":[],"style":"h4"},{"_key":"a119508cded0","_type":"block","children":[{"_key":"23f295966bdc0","_type":"span","marks":[],"text":"If you’re a higher earner, your annual allowance may be less than this thanks to something called the 'tapered annual allowance', which can reduce your allowance to as low as just £10,000 depending on how much you earn. "}],"markDefs":[],"style":"normal"},{"_key":"df831d7c3ec1","_type":"block","children":[{"_key":"ad27e48c5fea","_type":"span","marks":[],"text":"The tapered annual allowance affects individuals whose:"}],"markDefs":[],"style":"normal"},{"_key":"2bf193ea29e0","_type":"block","children":[{"_key":"32148a15cad70","_type":"span","marks":[],"text":"‘threshold income’ is above £200,000 "},{"_key":"6e33ff443e3e","_type":"span","marks":["em"],"text":"and;"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"4ad29e2a2bb7","_type":"block","children":[{"_key":"3720e998380b","_type":"span","marks":[],"text":"‘adjusted income’ is above £260,000"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"96b3ce2b1d5a","_type":"block","children":[{"_key":"dc38b0facec7","_type":"span","marks":[],"text":"Threshold income does not include your pension contributions, while adjusted income does."}],"markDefs":[],"style":"normal"},{"_key":"ae65a0c4eaa6","_type":"block","children":[{"_key":"419a0f39373b0","_type":"span","marks":[],"text":"Those who meet the criteria above will see their annual allowance gradually reduce by £1 for every £2 of ‘adjusted income’ above £260,000. For example, if your adjusted income was £270,000, your annual allowance would be reduced to £55,000. This is because, as you're £10,000 over the adjusted income threshold of £260,000, your annual allowance is reduced by £5,000 - taking it down to £55,000."}],"markDefs":[],"style":"normal"},{"_key":"834676a2335b","_type":"block","children":[{"_key":"7832ee5ff26b","_type":"span","marks":[],"text":"The tapering stops at £360,000, preserving a minimum of at least £10,000 for even the very highest earners."}],"markDefs":[],"style":"normal"},{"_key":"daaddabeb093","_type":"block","children":[{"_key":"35a1465ca04a0","_type":"span","marks":[],"text":"Until 5 April 2024, there had also previously been a lifetime pension allowance which was capped at just over £1 million. This has since been abolished to allow individuals to save more into their pension - as long as you stick to your relevant annual allowance for each tax year."}],"markDefs":[],"style":"normal"},{"_key":"159d4e71bb7e","_type":"block","children":[{"_key":"b0807c766c61","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"1b31853e858e","_type":"block","children":[{"_key":"13ed06d5fd92","_type":"span","marks":[],"text":""},{"_key":"664c356d126c","_type":"mainAnchor","pageAnchor":{"_ref":"e87611f7-5f1e-4039-8a16-99b71d40b0de","_type":"reference"}},{"_key":"0d7ece435554","_type":"span","marks":[],"text":"What can I put in my personal pension?"}],"markDefs":[],"style":"h2"},{"_key":"e959c16f4109","_type":"block","children":[{"_key":"1dd576ced2530","_type":"span","marks":[],"text":"One of the main benefits of a SIPP is the amount of control it gives you over what to invest your retirement savings in. You can choose what you like! Depending on the provider you go for, you can invest in different types of asset such as: "}],"markDefs":[],"style":"normal"},{"_key":"dec8613ba0d4","_type":"block","children":[{"_key":"7657fdc8a682","_type":"span","marks":["835a5c001d3c"],"text":"Shares"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"835a5c001d3c","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"5989daf6e111","_type":"block","children":[{"_key":"f7633016ed41","_type":"span","marks":["9bd8fa765441"],"text":"Funds"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"9bd8fa765441","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"aaf0e327969d","_type":"block","children":[{"_key":"baf664e835ee","_type":"span","marks":["cb52a2318986"],"text":"ETFs"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"cb52a2318986","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}}],"style":"normal"},{"_key":"62d050708dd5","_type":"block","children":[{"_key":"4ed667064e3f","_type":"span","marks":["f92834ba66b2"],"text":"Investment trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"f92834ba66b2","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}}],"style":"normal"},{"_key":"2751b0f1683c","_type":"block","children":[{"_key":"776405fde97d","_type":"span","marks":["c77a44075b9d"],"text":"Ready-made investments"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"c77a44075b9d","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"b51497b137da","_type":"block","children":[{"_key":"2fabdd4542e0","_type":"span","marks":[],"text":"It's all about choice. Different providers will have different combinations and ranges of investments to choose from. "}],"markDefs":[],"style":"normal"},{"_key":"6eb377a17d43","_type":"block","children":[{"_key":"136113527399","_type":"span","marks":[],"text":"For example, the exceedingly popular provider "},{"_key":"05d5d4a6eef3","_type":"span","marks":["237ddcfe1985"],"text":"Vanguard"},{"_key":"7c0fcf2bc4dc","_type":"span","marks":[],"text":" offers around 85 in-house funds and ETFs (but no access to individual shares), whereas "},{"_key":"60aa7db1920f","_type":"span","marks":["6c6bd0271ce8"],"text":"Fidelity"},{"_key":"85309ded4eef","_type":"span","marks":[],"text":" has a much wider range stretching into the thousands with a choice of funds, ETFs, investment trusts and shares. Both were winners of our coveted "},{"_key":"1bb0b0f3b43b","_type":"span","marks":["d8290dd4ae22"],"text":"Best Buy Pension award"},{"_key":"f91333e68322","_type":"span","marks":[],"text":" in 2025."}],"markDefs":[{"_key":"237ddcfe1985","_type":"internalLinkPick","reference":{"_ref":"040a1837-41f8-40f7-aa2a-67f13dff3e28","_type":"reference"}},{"_key":"6c6bd0271ce8","_type":"internalLinkPick","reference":{"_ref":"6b9c10a5-2223-4a20-98fb-55323cda4a35","_type":"reference"}},{"_key":"d8290dd4ae22","_type":"internalLinkPick","reference":{"_ref":"41b7c255-2a4e-415c-bc4e-74bc27a97f1e","_type":"reference"}}],"style":"normal"},{"_key":"a6a13aaf1e52","_type":"block","children":[{"_key":"d0828c5018d8","_type":"span","marks":[],"text":"Confident investors"}],"markDefs":[],"style":"h4"},{"_key":"66e3d4ebb58f","_type":"block","children":[{"_key":"ef5f60ad7e2f0","_type":"span","marks":[],"text":"When it comes to what to put in your SIPP, more confident savers may prefer to choose their own range of individual "},{"_key":"4f4b2e313950","_type":"span","marks":["03227fb6d8b6"],"text":"shares"},{"_key":"46973f83f2a3","_type":"span","marks":[],"text":", but we wouldn’t typically suggest this route for the newer or less confident investor."}],"markDefs":[{"_key":"03227fb6d8b6","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"ae8693377528","_type":"block","children":[{"_key":"925bf5fc3575","_type":"span","marks":[],"text":"Intermediate investors"}],"markDefs":[],"style":"h4"},{"_key":"511689fd50f5","_type":"block","children":[{"_key":"fb65c7af30ce","_type":"span","marks":[],"text":"If you're reasonably confident when it comes to investing, you know what you want and don't mind handling some of the decisions yourself, selecting a decent-sized range of "},{"_key":"cda1838f9d28","_type":"span","marks":["7d48bf1e1468"],"text":"funds"},{"_key":"6a01878f5a2a","_type":"span","marks":[],"text":" - say, 8 to 12 - should suffice."}],"markDefs":[{"_key":"7d48bf1e1468","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"dc8e4b42709b","_type":"block","children":[{"_key":"4eec2d815e82","_type":"span","marks":[],"text":"Beginner investors"}],"markDefs":[],"style":"h4"},{"_key":"0606026b2bcc","_type":"block","children":[{"_key":"348d2002a5ef0","_type":"span","marks":[],"text":"And if you don’t want to research a pool of funds and you aren’t sure what to do, consider a "},{"_key":"b05db35ca1a1","_type":"span","marks":["b70bc2f1cd4b"],"text":"ready-made investment"},{"_key":"a8e333f86971","_type":"span","marks":[],"text":". This is a great way to start for the less confident investor who would prefer to have all the difficult decision-making handled for you."}],"markDefs":[{"_key":"b70bc2f1cd4b","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"6ac0bfb047a9","_type":"block","children":[{"_key":"f96bd3c6eab5","_type":"span","marks":[],"text":""},{"_key":"b4b2a500811e","_type":"mainAnchor","pageAnchor":{"_ref":"cbf710fc-0661-47c8-b9c5-b0c5315d37b1","_type":"reference"}},{"_key":"dfac1679452e","_type":"span","marks":[],"text":"How much does a personal pension cost?"}],"markDefs":[],"style":"h2"},{"_key":"c56016f0cd43","_type":"block","children":[{"_key":"432fb9ca16c0","_type":"span","marks":[],"text":"There are three basic elements to the cost of having and running a SIPP account. These typically include:"}],"markDefs":[],"style":"normal"},{"_key":"d3dea964ce4b","_type":"block","children":[{"_key":"f0c8a51c9cd3","_type":"span","marks":["strong"],"text":"Admin fees: "},{"_key":"b0f9dfd3d87c","_type":"span","marks":[],"text":"The annual administration fee for providing the pension - this will usually be between 0.35% and 0.5% each year and will be levied by the company you open up the account with."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"040f23a1e4d1","_type":"block","children":[{"_key":"3da1063e39ab","_type":"span","marks":["strong"],"text":"Dealing charges:"},{"_key":"653447385695","_type":"span","marks":[],"text":" The fees charged when you buy or sell funds or shares. It’s normally about a tenner to buy a share and buying funds is usually less or free."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"157061d0c482","_type":"block","children":[{"_key":"f573a3f84539","_type":"span","marks":["strong"],"text":"Fund management fees:"},{"_key":"fa2f200939a0","_type":"span","marks":[],"text":" The annual charge from the fund manager for managing your investments. This will apply if you buy managed funds inside your pension, which is typically the case. This is usually about 0.75% every year."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"a00e7156f141","_type":"block","children":[{"_key":"23fe9ccb048c","_type":"span","marks":[],"text":"Most people wonder why it can’t just be bundled together as a single and simple fee, but the UK financial services regulator - the FCA - has been clear that it wants people to know what they are paying for the different parts of the overall service."}],"markDefs":[],"style":"normal"},{"_key":"034a23f191a8","_type":"block","children":[{"_key":"064cba8435f0","_type":"span","marks":[],"text":"All in, most people should not be paying more than about 1.3% a year. So that's £13 on every £1,000 invested. The biggest variable will be the charges on the underlying investments within your SIPP, and these will vary depending on what you choose - from lower-cost options like ETFs to higher-cost assets like investment trusts."}],"markDefs":[],"style":"normal"},{"_key":"d94993d414f8","_type":"block","children":[{"_key":"b1591a97a5b7","_type":"span","marks":[],"text":"This is one of the main reasons why it's key to shop around before you select your SIPP provider, to make sure you get the best value for money for what you want. 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"}],"markDefs":[],"style":"normal"}],"body":[{"_key":"9c488de311ee","_type":"anchorMenuMobile","title":"s"},{"_key":"447c6d468db6","_type":"block","children":[{"_key":"06520afc7487","_type":"span","marks":[],"text":""},{"_key":"c98d57798740","_type":"mainAnchor","pageAnchor":{"_ref":"e9c0177b-6542-485b-8b54-b2dde687a66d","_type":"reference"}},{"_key":"35fae524f7f9","_type":"span","marks":[],"text":"The basics of shares"}],"markDefs":[],"style":"h2"},{"_key":"5f60b3bfdfc8","_type":"block","children":[{"_key":"e53719543f25","_type":"span","marks":[],"text":"In a nutshell"}],"markDefs":[],"style":"h3"},{"_key":"ada52ffdefc5","_type":"textboxWidget","text":[{"_key":"e4f0cc02c3dd","_type":"block","children":[{"_key":"7f6e442dceec","_type":"span","marks":[],"text":"Also called \"stocks\" or \"equities\""}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"1bd68c0c4670","_type":"block","children":[{"_key":"4d6b991fc585","_type":"span","marks":[],"text":"Like buying a 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trusts"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"6cf0634b52cc","_type":"internalLinkPick","reference":{"_ref":"f1e48d02-3367-4ff4-9cc3-66b06a63a846","_type":"reference"}},{"_key":"aa7e1918e3fc","_type":"internalLinkPick","reference":{"_ref":"15c308e6-b264-4e24-b705-01f5d6339e04","_type":"reference"}},{"_key":"84721b33c79c","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"982614bc184e","_type":"block","children":[{"_key":"3056c5772a6f","_type":"span","marks":[],"text":"Typically riskier than cash (especially if you only invest in a select few)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"3c834965d9f9","_type":"block","children":[{"_key":"82421e363da3","_type":"span","marks":[],"text":""},{"_key":"b8bf69e879a3","_type":"mainAnchor","pageAnchor":{"_ref":"224d5d05-5125-4c55-9f64-54bd1984234b","_type":"reference"}},{"_key":"3f27679e917a","_type":"span","marks":[],"text":"What are shares?"}],"markDefs":[],"style":"h2"},{"_key":"fa1d123377a8","_type":"block","children":[{"_key":"f457d87714fc","_type":"span","marks":[],"text":"Our Founder & CEO Holly Mackay explains what you need to know about shares and how they work in the bitesized video below."}],"markDefs":[],"style":"normal"},{"_key":"e9683ef541ea","_type":"block","children":[{"_key":"a4dd9b2bd85a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"996bf6bc4056","_type":"mainVideo","url":"https://vimeo.com/781082178"},{"_key":"14b6f2a99aeb","_type":"block","children":[{"_key":"ab9ca93ca293","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"331e2da9213a","_type":"block","children":[{"_key":"4c988b950ac7","_type":"span","marks":[],"text":"\nInvesting, at the heart of it, is about putting your money into businesses you believe have the potential to grow. This is where shares come in. They let us own a small slice of a company, so if they do well, so do we. And if they flop, we lose money."}],"markDefs":[],"style":"normal"},{"_key":"a0e51805f65c","_type":"block","children":[{"_key":"1d694591f0bd0","_type":"span","marks":[],"text":"Also known as stocks, or equities, shares exist to enable companies to raise money to fund their activity and growth. Individuals or companies buy shares, and give that company some money in return for ownership of a small piece of that business."}],"markDefs":[],"style":"normal"},{"_key":"059b41aceadf","_type":"block","children":[{"_key":"e2ce0bb15dbb0","_type":"span","marks":[],"text":"The thought process behind buying a share is no more complicated than what you see on Dragon's Den. You're the dragon trying to work out if you should invest in the company or not. But buying a single share can actually be a risky way to access the stock market. Why? Well, you're putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"406e204d28d3","_type":"block","children":[{"_key":"8fe730591b110","_type":"span","marks":[],"text":"We spoke to a lady who was horrified that she bought M&S shares and they went down. \"I mean, it was M&S! They're really busy!\" Just because it's a big brand which looks safe and solid, doesn't necessarily mean they're making decent profits that year or tracking to plan. "}],"markDefs":[],"style":"normal"},{"_key":"a8166423face","_type":"block","children":[{"_key":"fb63eec8d60f","_type":"span","marks":[],"text":""},{"_key":"47a7d68d0f5b","_type":"mainAnchor","pageAnchor":{"_ref":"418e4e74-c858-4625-9d7a-8c06f7c6e4ad","_type":"reference"}},{"_key":"758bdfebe7ed","_type":"span","marks":[],"text":"Are shares right for me?"}],"markDefs":[],"style":"h2"},{"_key":"0deb8561d20a","_type":"block","children":[{"_key":"c181c818cb3f","_type":"span","marks":[],"text":"15% of UK adults own shares [1], but they're not the right sort of investment for everyone - especially if you're low on time or looking for an easy way to put your money behind several companies. Here's an overview of some of the main pros and cons of shares."}],"markDefs":[],"style":"normal"},{"_key":"db9f89042c3f","_type":"prosConsWidget","cons":["Want a global mix of investments ","Are time poor ","Will only choose 2 or 3!"],"consTitle":"Bad if you ","pros":["Actively follow the markets","Want to be in charge","Have time to dedicate to this "],"prosTitle":"Good if you "},{"_key":"c3a7ffeffbb7","_type":"block","children":[{"_key":"271a51c12db2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"5b2ffecea1c4","_type":"block","children":[{"_key":"05c92c04fca2","_type":"span","marks":[],"text":""},{"_key":"4bc185b25eec","_type":"mainAnchor","pageAnchor":{"_ref":"126f92a2-61db-45bc-9444-4172007cc99b","_type":"reference"}},{"_key":"41d53cf47ed5","_type":"span","marks":[],"text":"Cash vs shares"}],"markDefs":[],"style":"h2"},{"_key":"bd1126eb98eb","_type":"block","children":[{"_key":"0612752e8969","_type":"span","marks":["strong"],"text":"If you had put £10,000 away in 2015, what would it be worth by the end of September 2025?"}],"markDefs":[]},{"_key":"a5368c85fe2c","_type":"block","children":[{"_key":"da32cdb4e3ce","_type":"span","marks":[],"text":"The graph below shows you a recent example of how cash has performed compared to stock market shares. For the purposes of this illustration, we've looked at the growth of a single £10,000 lump sum investment in cash and in two stock market indices: the "},{"_key":"c79b9014dcc5","_type":"span","marks":["4b175e3b60cd"],"text":"FTSE 100"},{"_key":"31e14e27f0b1","_type":"span","marks":[],"text":" and "},{"_key":"fa15bb1b35a8","_type":"span","marks":["ccbe1340ca9f"],"text":"MSCI World"},{"_key":"5e096fa1dd9d","_type":"span","marks":[],"text":" (you can read more about these below the image)."}],"markDefs":[{"_key":"4b175e3b60cd","_type":"glossaryPick","reference":{"_ref":"c59252f5-1b77-4fbb-bb20-0696661a5c2b","_type":"reference"}},{"_key":"ccbe1340ca9f","_type":"glossaryPick","reference":{"_ref":"edb1b2f7-e46e-4206-8dd0-2df8d591ce08","_type":"reference"}}],"style":"normal"},{"_key":"a8cf71d02792","_type":"block","children":[{"_key":"d84597919bbd","_type":"span","marks":[],"text":"It's clear to see that leaving your money in cash (pink) led to significantly less growth over the period between 2015-2025 than if you had invested in stock markets. And although the British FTSE 100 Index (blue) didn't perform quite as well as MSCI World (green), it still climbed to £2,182 - compared to gains of just £1,180 from cash over the same time period. Of course, these numbers look measly compared to MSCI World's impressive £3,348 gain."}],"markDefs":[],"style":"normal"},{"_key":"eacbefb8908a","_type":"block","children":[{"_key":"7186a99d615e","_type":"span","marks":[],"text":"NB: The dip you can see after Q4 2019 reflects the start of the COVID-19 pandemic and subsequent global lockdowns."}],"markDefs":[],"style":"normal"},{"_key":"b33adb272cf6","_type":"frameWidget","href":"https://www.canva.com/design/DAG7OFE42_c/V25AjrWXM8szDDn7pZL9bg/view?embed"},{"_key":"9898bcddeff8","_type":"block","children":[{"_key":"2f05e2427ec8","_type":"span","marks":["em"],"text":"Source: FE FundInfo. "}],"markDefs":[],"style":"small"},{"_key":"906d1a3db60a","_type":"block","children":[{"_key":"b29deef19a8e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d745e25d9983","_type":"block","children":[{"_key":"d611edb2ae67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"adb9f4083d5c","_type":"block","children":[{"_key":"22374dbfb4fe","_type":"span","marks":[],"text":""},{"_key":"c07bbbc35194","_type":"mainAnchor","pageAnchor":{"_ref":"223c3cb3-164a-4144-b7ec-60a049133752","_type":"reference"}},{"_key":"91a17272db40","_type":"span","marks":[],"text":"Will shares outperform cash in the next 10 years?"}],"markDefs":[],"style":"h2"},{"_key":"15bd2c48638c","_type":"block","children":[{"_key":"d367b10febfa","_type":"span","marks":[],"text":"Just like the weather, it's impossible to predict what the future holds. All we can do is show what has happened in the past. Shares are a bumpier ride than cash – and not a short-term thing. Anyone who says they can guarantee you'll make money is probably lying. There are risks. But research tells us that shares have done better than cash 9 times out of 10 over any 10 year period since the stock markets began."}],"markDefs":[],"style":"normal"},{"_key":"e51d6e72bf95","_type":"block","children":[{"_key":"9b843e253e7f0","_type":"span","marks":[],"text":"You buy and sell them on the stock market and, just like eBay, people make bids and offers. But it all happens super fast. Prices bounce up and down and at the end of the day it all comes down to sentiment – if loads of people want a slice of the action and these things are flavour of the month (think Nintendo after Pokemon Go), then prices rise as the sellers get a bit cockier. If people get turned off and the share in question is uncool, then everyone tries to offload them and the asking price falls."}],"markDefs":[],"style":"normal"},{"_key":"2c5c408f7745","_type":"block","children":[{"_key":"5517dd075cf1","_type":"span","marks":[],"text":"Curious about what's got investors' interest this week? Catch up with Holly's award-winning blog every Friday for the low-down on what's going on in stock markets, how it could impact your finances, and some no-nonsense food for thought to help you make better money choices."}],"markDefs":[],"style":"normal"},{"_key":"f73008bb0852","_type":"block","children":[{"_key":"1330f0821be2","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2ce8804a8fc7","_type":"emailSignupWidget","brazeCustomAttributes":[{"_key":"8b471fe69932","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_blog","customAttributeValue":"https://www.boringmoney.co.uk/learn/investing-guides/product-guides/shares/"}],"emailSignupWidgetButtonText":"SIGN UP","image":{"_type":"mainImage","alt":"Image of Boring Money CEO Holly Mackay","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"paragraphText":"Sign up for no-nonsense tips, tricks and food for thought every Friday!","thankYouText":[{"_key":"ee1425e50c90","_type":"block","children":[{"_key":"03c4926a2d3f","_type":"span","marks":[],"text":"Thank you for signing up!"}],"markDefs":[],"style":"normal"}],"title":"Want to get Holly's weekly blog straight to your inbox?"},{"_key":"b2dea6276185","_type":"block","children":[{"_key":"023c64412ca5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"28d3689c637a","_type":"block","children":[{"_key":"76733dfbfc45","_type":"span","marks":[],"text":""},{"_key":"0a9998a15f58","_type":"mainAnchor","pageAnchor":{"_ref":"b51797d9-dc13-41da-a375-b898f0a9e850","_type":"reference"}},{"_key":"0c127d60e2f30","_type":"span","marks":[],"text":"How can I buy shares?"}],"markDefs":[],"style":"h2"},{"_key":"104c6e83ed38","_type":"block","children":[{"_key":"c60e50ec6f020","_type":"span","marks":[],"text":"Rather than going to companies directly and asking to buy a share of their business, we access shares through a central market otherwise known as the Stock Exchange. Companies will 'list' on the Stock Exchange, which means anyone can buy or sell a share."}],"markDefs":[],"style":"normal"},{"_key":"6b952a371b27","_type":"block","children":[{"_key":"c96caa808e100","_type":"span","marks":[],"text":"The Stock Exchange can be accessed through online investment platforms, many of which are beginner-friendly. These platforms allow you to purchase a small percentage of some of the world's largest companies - this ranges from BP to HSBC, Apple to Samsung, and Microsoft to British Airways."}],"markDefs":[],"style":"normal"},{"_key":"22300cbe9ed3","_type":"block","children":[{"_key":"7a5c50542b870","_type":"span","marks":[],"text":"You can either buy individual shares directly - through an online broker or an investment platform - or purchase a fund in order to get exposure to dozens of shares in one fell swoop. If you're new to investing and don't know where to start, check out our hand-selected Best For Beginners award winners to see which providers we think are the best starting point."}],"markDefs":[],"style":"normal"},{"_key":"6edb4bdd89cb","_type":"block","children":[{"_key":"b8900097f7ce","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"b9029ba7991a","_type":"block","children":[{"_key":"6663e15ba200","_type":"span","marks":["strong"],"text":"Discover Boring Money's Best For Beginners award winners "}],"markDefs":[],"style":"normal"}],"_key":"61821a40134b","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"b5821c35-fa71-43c3-8f89-cc7b29ad9030","_type":"reference"},"text":"CLICK HERE"},{"_key":"adc43eba0539","_type":"block","children":[{"_key":"fa3bf0ee3f7a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ea21677253e9","_type":"block","children":[{"_key":"67c0573a3e1a","_type":"span","marks":[],"text":""},{"_key":"d6fc0adcefb5","_type":"mainAnchor","pageAnchor":{"_ref":"81ce9ca2-c137-4518-a387-0704343a7403","_type":"reference"}},{"_key":"a3c5345fe75c0","_type":"span","marks":[],"text":"Buying bulk shares through a fund"}],"markDefs":[],"style":"h3"},{"_key":"e398386f79e3","_type":"block","children":[{"_key":"87b61ebbd9e70","_type":"span","marks":[],"text":"The concept of buying shares through a "},{"_key":"5d2b30ca7f3e","_type":"span","marks":["69d28fa112e1"],"text":"fund"},{"_key":"b1c54b0016d7","_type":"span","marks":[],"text":" is similar to buying a mixed case of wine. You don't have time to pick individual bottles, or you don't want the responsibility of choosing the best, so you let it be done for you. You're outsourcing the selection of individual components to someone else."}],"markDefs":[{"_key":"69d28fa112e1","_type":"internalLinkPick","reference":{"_ref":"0bc8b13d-830e-4469-8ffe-6af27456b538","_type":"reference"}}],"style":"normal"},{"_key":"338dc4e1da41","_type":"block","children":[{"_key":"a6c6dd0980fc0","_type":"span","marks":[],"text":"A single fund will usually house around 30-60 shares. Whilst someone else may have invested £1,000 into an individual share, a very small percentage of your £1,000 may be invested in the same company. If that business then takes a hit, you won't be so badly affected - the majority of your money is invested elsewhere. Basically, you are spreading your bets for security."}],"markDefs":[],"style":"normal"},{"_key":"ed31383984b8","_type":"block","children":[{"_key":"db372dca686d0","_type":"span","marks":[],"text":"When investing through a fund, you are unlikely to have to pay trading or transaction fees. You will, however, encounter management fees throughout the duration of your investment. 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Their ability to grow wealth over the long term and generate reliable income has made them a popular and enduring investment option."}],"markDefs":[],"style":"normal"},{"_key":"f02672f9e59a","_type":"block","children":[{"_key":"2e48711a22ca","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"098f98318792","_type":"mainImage","alt":"Infographic outlining 3 key things you need to know about investment trusts.","asset":{"_ref":"image-77a48487e73acb03dbb2f57e8530a3474958dcdb-1920x1080-png","_type":"reference"},"blankAltTag":true},{"_key":"658b62bf65d5","_type":"block","children":[{"_key":"37e28dbba812","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"139857efca68","_type":"block","children":[{"_key":"12d0b8472e29","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a1005bf038af","_type":"block","children":[{"_key":"b1532024fcba","_type":"span","marks":[],"text":"At their core, Investment Trusts are collective investment vehicles which function similarly to a mutual "},{"_key":"e9fe7212ec0b","_type":"span","marks":["ccc3e390b038"],"text":"fund"},{"_key":"b3c1b8c9a605","_type":"span","marks":[],"text":". They pool together the money of investors (the Trust's shareholders) and professional"},{"_key":"cf04b29e7808","_type":"span","marks":["0dc04f86fbe6"],"text":" fund managers"},{"_key":"e32c287aff05","_type":"span","marks":[],"text":" then invest this money in a diversified mix of "},{"_key":"d5c10a7cb69b","_type":"span","marks":["dae918e4dc8f"],"text":"assets"},{"_key":"00e617852dac","_type":"span","marks":[],"text":" - such as "},{"_key":"4dce9bf956a0","_type":"span","marks":["acf0e1aef236"],"text":"shares"},{"_key":"30ab9d197a8b","_type":"span","marks":[],"text":", "},{"_key":"b98c4a9280d9","_type":"span","marks":["ae80e5c2e424"],"text":"bonds"},{"_key":"ef5b5138e1c9","_type":"span","marks":[],"text":", or property - according to the investment aims of the particular Trust."}],"markDefs":[{"_key":"ccc3e390b038","_type":"glossaryPick","reference":{"_ref":"18e00366-dfcb-4186-8d35-7d6abf19fde7","_type":"reference"}},{"_key":"ae80e5c2e424","_type":"glossaryPick","reference":{"_ref":"ea467285-7d48-4093-b16e-76d3f8a95fc1","_type":"reference"}},{"_key":"dae918e4dc8f","_type":"glossaryPick","reference":{"_ref":"bbd21391-fb19-4ae7-9dd4-03e45b9ff515","_type":"reference"}},{"_key":"0dc04f86fbe6","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}},{"_key":"acf0e1aef236","_type":"internalLinkPick","reference":{"_ref":"5b858673-70a9-4b94-bbfb-aec333a62ae9","_type":"reference"}}],"style":"normal"},{"_key":"989f2700802e","_type":"block","children":[{"_key":"83fc9f89aa2a","_type":"span","marks":[],"text":"Unlike mutual funds, Investment Trusts are structured as closed-ended companies, meaning the number of shares available at any one time is fixed. This structure can lead to shares trading at a "},{"_key":"ca34a1df2419","_type":"span","marks":["db7d16e2b826"],"text":"premium"},{"_key":"7e483654a0fc","_type":"span","marks":[],"text":" or "},{"_key":"24f6721e852d","_type":"span","marks":["b541dc26b4e7"],"text":"discount"},{"_key":"c8a9e5db5ce9","_type":"span","marks":[],"text":" to the value of the underlying assets ("},{"_key":"d7c880d3e19e","_type":"span","marks":["38020b4e5112"],"text":"NAV"},{"_key":"f9e7404ed02b","_type":"span","marks":[],"text":"), depending on investor demand."}],"markDefs":[{"_key":"db7d16e2b826","_type":"glossaryPick","reference":{"_ref":"1830ef60-3809-4512-81e2-615746b98703","_type":"reference"}},{"_key":"b541dc26b4e7","_type":"glossaryPick","reference":{"_ref":"e83fac5f-7b96-4a74-a65e-ba25dad1285e","_type":"reference"}},{"_key":"38020b4e5112","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"a2afd30ca564","_type":"block","children":[{"_key":"3b189eacf653","_type":"span","marks":[],"text":"Investment Trusts can suit a range of different investment styles and goals. You can choose Trusts that focus on specific regions, such as Europe, the US, or emerging markets, or sectors like technology, healthcare, renewable energy, or infrastructure. There are also trusts that focus on niche areas like property or care homes, providing exposure to investments that may be otherwise difficult to access or trade (\""},{"_key":"e129343ccb8b","_type":"span","marks":["ea49f06947df"],"text":"illiquid"},{"_key":"1ce1ed5704d8","_type":"span","marks":[],"text":"\")."}],"markDefs":[{"_key":"ea49f06947df","_type":"glossaryPick","reference":{"_ref":"218d3eda-c963-4bda-8132-0eaae6e1bbd2","_type":"reference"}}],"style":"normal"},{"_key":"c894f0d25c5d","_type":"block","children":[{"_key":"f974a8a3f536","_type":"span","marks":[],"text":"One of the key benefits of Investment Trusts is their potential to provide regular income. Many Trusts pay cash "},{"_key":"6b1303b80038","_type":"span","marks":["5a8128b50585"],"text":"dividends"},{"_key":"90e3bcf565f8","_type":"span","marks":[],"text":", which is why they're popular with income-seeking investors such as retirees. Investment Trusts can also retain income in strong years, allowing them to continue paying dividends during more difficult periods - a feature known as dividend smoothing."}],"markDefs":[{"_key":"5a8128b50585","_type":"glossaryPick","reference":{"_ref":"879c473d-ba07-433e-ad4d-217e24243b54","_type":"reference"}}],"style":"normal"},{"_key":"080731a11e49","_type":"block","children":[{"_key":"67dabc5842bb","_type":"span","marks":[],"text":"In summary, Investment Trusts offer a flexible, expert-led way to invest in a variety of markets and sectors, with the added bonus of potentially generating a regular stream of income too."}],"markDefs":[],"style":"normal"},{"_key":"a37339e7a09b","_type":"block","children":[{"_key":"b6119c2d8f7f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c00b3b2796","_type":"block","children":[{"_key":"2c07e60a4da8","_type":"span","marks":[],"text":""},{"_key":"3a045beca655","_type":"mainAnchor","pageAnchor":{"_ref":"094d1a3e-f7bf-4543-a216-e6804a5653f3","_type":"reference"}},{"_key":"7400f049b056","_type":"span","marks":[],"text":"Are Investment Trusts right for me?"}],"markDefs":[],"style":"h2"},{"_key":"da726e264102","_type":"prosConsWidget","cons":["Need access to your money at short notice","Are new to investing and don’t want to mess with discounts, premiums, or volatility","Are risk-averse and would prefer to stick with cash or something similar"],"consTitle":"Bad if you ","pros":["Are comfortable with the idea of ups and downs","Want access to a broad range of investments but don’t fancy picking stocks yourself","Trust the pros to steer the ship"],"prosTitle":"Good if you "},{"_key":"bbc4c864c5f9","_type":"block","children":[{"_key":"274fef21dfed","_type":"span","marks":[],"text":""},{"_key":"1231ad32bbd9","_type":"mainAnchor","pageAnchor":{"_ref":"a2748707-923a-4ba0-b66d-cbe3a285ea46","_type":"reference"}},{"_key":"bfbdaaec0a78","_type":"span","marks":[],"text":"The pros of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"50439097ee4c","_type":"block","children":[{"_key":"b901a4fc88b2","_type":"span","marks":["strong"],"text":"Investment Trusts suit investors who are comfortable with ups and downs, want broad market access without picking stocks themselves, and trust a professional manager to make the calls."}],"markDefs":[],"style":"normal"},{"_key":"987121fd1d55","_type":"block","children":[{"_key":"b066335137b2","_type":"span","marks":[],"text":""},{"_key":"a106ca03e81d","_type":"mainAnchor","pageAnchor":{"_ref":"c61f58f5-a3e8-4203-9ded-6b3875fa2188","_type":"reference"}},{"_key":"46ad9aed4eea","_type":"span","marks":[],"text":"✅ Potential for higher returns"}],"markDefs":[],"style":"h3"},{"_key":"3e95d338e20f","_type":"block","children":[{"_key":"3228d62622a3","_type":"span","marks":[],"text":"Investment Trusts can borrow money to try and boost returns with a process called “"},{"_key":"93ad4aee2bcf","_type":"span","marks":["915385f7dc42"],"text":"gearing"},{"_key":"dbb790e24479","_type":"span","marks":[],"text":".” If the Trust’s underlying investments do well, borrowing can help make magnify the gains. Also, because Investment Trusts don’t have to sell investments when shareholders take their money out (unlike other types of fund), the manager has the freedom to focus on long-term growth without being forced to react to short-term panic. So investors also benefit from having an expert at the helm with the discretion to make informed decisions to maximise profit. We explain more about gearing in the next section."}],"markDefs":[{"_key":"915385f7dc42","_type":"glossaryPick","reference":{"_ref":"f97d6d3d-a4b0-45b3-a1a0-740b0e4d32d6","_type":"reference"}}],"style":"normal"},{"_key":"d80ac354e71e","_type":"block","children":[{"_key":"de4c277b16d2","_type":"span","marks":[],"text":""},{"_key":"dc4de9583c83","_type":"mainAnchor","pageAnchor":{"_ref":"6fa81efd-82ed-42c2-a837-c792bcb22e99","_type":"reference"}},{"_key":"0cb280b89aeb","_type":"span","marks":[],"text":"✅ Reliable income"}],"markDefs":[],"style":"h3"},{"_key":"06efd25d4dd7","_type":"block","children":[{"_key":"ebbf9ceeeea0","_type":"span","marks":[],"text":"Many Investment Trusts are known for providing a steady income, thanks to something called “dividend smoothing.” Unlike regular funds, which have to pay out all the income they earn each year, Investment Trusts are allowed to hold back up to 15% of that income. They can stash it away in a reserve during the good years and then use those reserves to top up payouts in tougher years, when income might dip. "}],"markDefs":[],"style":"normal"},{"_key":"09f8756504e9","_type":"block","children":[{"_key":"c9cbbb226677","_type":"span","marks":[],"text":"This creates a smoother, more reliable stream of income for investors. It’s especially useful for people who rely on dividends to pay the bills, such as those in retirement, or anyone who simply prefers a consistent drip of income rather than big highs and lows. Some Trusts have done this so well that they’ve managed to increase their dividend every single year for decades, even during financial crises and market crashes. "}],"markDefs":[],"style":"normal"},{"_key":"b1bd31ed541b","_type":"block","children":[{"_key":"55fa0c0f896c","_type":"span","marks":[],"text":""},{"_key":"d064746f773e","_type":"mainAnchor","pageAnchor":{"_ref":"794509b4-5361-4868-b0d0-39b68b1c15dc","_type":"reference"}},{"_key":"2c81483cd2e1","_type":"span","marks":[],"text":"✅ Independent oversight"}],"markDefs":[],"style":"h3"},{"_key":"25a4a648d1f6","_type":"block","children":[{"_key":"825a8816d961","_type":"span","marks":[],"text":"Every Investment Trust has its own independent board of directors and their job is to make sure everything’s running as it should. Think of them like a watchdog or a built-in quality control team. They don’t manage the money directly, but they do oversee the "},{"_key":"ee7dec9f1d2b","_type":"span","marks":["6c743728b6de"],"text":"fund manager"},{"_key":"f45db98760d9","_type":"span","marks":[],"text":", making sure they’re sticking to the Trust’s strategy and doing a good job for investors."}],"markDefs":[{"_key":"6c743728b6de","_type":"glossaryPick","reference":{"_ref":"52cb8779-f204-4e14-b5e9-c3bb3cf56993","_type":"reference"}}],"style":"normal"},{"_key":"1e96a3919610","_type":"block","children":[{"_key":"f6dba4981e15","_type":"span","marks":[],"text":"If the Trust is performing badly, taking too much risk, or drifting away from its stated goals, the board can step in, ask tough questions, and even replace the manager if needed. It’s their job to put investors’ interests first and hold the manager accountable. This kind of independent oversight is a big plus for Investment Trusts and not something you always get with other types of funds."}],"markDefs":[],"style":"normal"},{"_key":"31f57f469a2a","_type":"block","children":[{"_key":"ec4985853e6e","_type":"span","marks":[],"text":""},{"_key":"d75330187d67","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"22d77001232b","_type":"span","marks":[],"text":"The cons of Investment Trusts"}],"markDefs":[],"style":"h2"},{"_key":"7b3df5c5a3d0","_type":"block","children":[{"_key":"48feed4e932e","_type":"span","marks":["strong"],"text":"Investment Trust share prices can trade at a premium or discount to the actual value of their assets, gearing can amplify losses as well as gains, and smaller or niche trusts can be harder to sell quickly."}],"markDefs":[],"style":"normal"},{"_key":"a8124a8c29f3","_type":"block","children":[{"_key":"a20f416997cc","_type":"span","marks":[],"text":""},{"_key":"a54dc452d47f","_type":"mainAnchor","pageAnchor":{"_ref":"9b4cea8b-d750-4aa5-abff-0daffb6c21cb","_type":"reference"}},{"_key":"d46e98709f3a","_type":"span","marks":[],"text":"❌ More complex pricing"}],"markDefs":[],"style":"h3"},{"_key":"e67850bac45d","_type":"block","children":[{"_key":"b8362b4bf79f","_type":"span","marks":[],"text":"Investment Trusts are listed on the stock market, which means you buy and sell them just like shares. But here’s the catch: the price you pay isn’t always the same as the value of what the Trust actually owns - known as the "},{"_key":"f52b636d3e53","_type":"span","marks":["a0e6e2a5541b"],"text":"Net Asset Value "},{"_key":"289fd17a74c4","_type":"span","marks":[],"text":"(NAV)."}],"markDefs":[{"_key":"a0e6e2a5541b","_type":"glossaryPick","reference":{"_ref":"fed61c02-3002-4768-9374-16377d6a555f","_type":"reference"}}],"style":"normal"},{"_key":"52cbe0cee3dc","_type":"block","children":[{"_key":"f6fc34513289","_type":"span","marks":[],"text":"Sometimes, a Trust’s shares trade at a premium, meaning you’re paying "},{"_key":"f445ca7120fb","_type":"span","marks":["em"],"text":"more"},{"_key":"a2132321b21a","_type":"span","marks":[],"text":" than the total value of its assets. Other times, they trade at a discount, which means you’re getting the assets for less than they’re technically worth. That can sound like a bargain (and sometimes it is), but it can also be a sign that something’s not right - like poor performance or low demand."}],"markDefs":[],"style":"normal"},{"_key":"41f4e84268c6","_type":"block","children":[{"_key":"22908b3bb771","_type":"span","marks":[],"text":"This adds an extra layer of complexity, especially for newer investors. You’re not just looking at how the underlying investments are doing, you also have to think about how the market feels about the Trust itself, which can affect the price."}],"markDefs":[],"style":"normal"},{"_key":"63d25222e343","_type":"block","children":[{"_key":"72026564e187","_type":"span","marks":[],"text":""},{"_key":"679fdad8c870","_type":"mainAnchor","pageAnchor":{"_ref":"44bb3d1e-b243-4451-81d3-20d682dadb53","_type":"reference"}},{"_key":"02eac03b2b4c","_type":"span","marks":[],"text":"❌ Volatility from gearing"}],"markDefs":[],"style":"h3"},{"_key":"573c14c47d8c","_type":"block","children":[{"_key":"43239b21b7bb","_type":"span","marks":[],"text":"Gearing can boost returns when markets are rising, as the Trust has more capital working for it. But it cuts both ways. If markets fall, gearing can amplify losses, because the Trust still owes what it borrowed. That means a small market dip can lead to a bigger hit to your investment."}],"markDefs":[],"style":"normal"},{"_key":"32ee3a8b93d0","_type":"block","children":[{"_key":"849b6da99cad","_type":"span","marks":[],"text":"Think of it like going downhill on a bike - fast and fun when things are smooth, but risky if you hit a bump."}],"markDefs":[],"style":"normal"},{"_key":"ce08f334bd29","_type":"block","children":[{"_key":"492b89afc6c8","_type":"span","marks":[],"text":"Not all Trusts use gearing, and those that do vary in how much. If you're risk-averse, nearing retirement, or might need your money soon, a geared trust may not be the right fit. 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All you have to do is arrange the initial investment and voilá, you’re an investor. This makes them a good choice for beginners who don’t want the fuss of setting up and running an account full of dozens of individual investments which need ongoing monitoring and rebalancing."}],"markDefs":[],"style":"normal"},{"_key":"6a969e94f629","_type":"block","children":[{"_key":"5334eedd8c57","_type":"span","marks":[],"text":""},{"_key":"f2fd9b9717c2","_type":"mainAnchor","pageAnchor":{"_ref":"181b9e36-bb26-4770-aa86-834fe4c3b071","_type":"reference"}},{"_key":"372ceb99d8ad","_type":"span","marks":[],"text":"✅ Managed by an expert"}],"markDefs":[],"style":"h3"},{"_key":"3271dc505d50","_type":"block","children":[{"_key":"797c7e847f86","_type":"span","marks":[],"text":"If you don’t feel confident about picking a ‘good’ investment from a ‘bad’ one, the fund manager for a ready-made portfolio does all the research and number-crunching for you. It’s less pressure on you and means your portfolio is likely to do better than if you managed it yourself (because you’ve got an expert making all the decisions, after all)."}],"markDefs":[],"style":"normal"},{"_key":"d61f42f71094","_type":"block","children":[{"_key":"e4871389a7bc","_type":"span","marks":[],"text":""},{"_key":"cb686d172848","_type":"mainAnchor","pageAnchor":{"_ref":"ae53200e-4c18-4516-9c27-7232613428f4","_type":"reference"}},{"_key":"f6aae1827928","_type":"span","marks":[],"text":"✅ Can pick your preferred risk level"}],"markDefs":[],"style":"h3"},{"_key":"9aefcdb6cc19","_type":"block","children":[{"_key":"92075c6f724d","_type":"span","marks":[],"text":"Many ready-made portfolios are ranked by their risk level (broadly speaking, how much exposure they have to shares vs less volatile assets like bonds). Descriptors like 'Cautious' or 'Ambitious' are frequently used, or sometimes expressed using visuals such as chilli peppers - not unlike the spice rating on a takeaway menu! This makes it easy to determine if the product suits your desired level of risk and saves you from having to wade through a text-heavy "},{"_key":"46f6bafa12ea","_type":"span","marks":["86b5358353ce"],"text":"KIID"},{"_key":"ff66e7784d1c","_type":"span","marks":[],"text":" to make the call yourself."}],"markDefs":[{"_key":"86b5358353ce","_type":"glossaryPick","reference":{"_ref":"9b1f4399-11e7-43f4-b6ea-8718b9895f89","_type":"reference"}}],"style":"normal"},{"_key":"18af28ab6fc7","_type":"block","children":[{"_key":"dfa3d56ab883","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"4e5c6a6dd44e","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay's opinion on ready-made portfolios","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"a10fd11e337c","_type":"block","children":[{"_key":"5f814072bb9f","_type":"span","marks":[],"text":"Investing can feel easier once you get into the swing; the difficult bit is knowing where to start. After all, there are tens of thousands of investment options out there, offered by a growing number of investment platforms. I think ready-made portfolios can be a good starting point. These are off-the-peg portfolios and offered by most investment platforms. They are ideal for people who don't want to spend their time handpicking funds and learning the ins and outs. They don't require you to make any decisions about what to invest in. The only questions you'll need to answer are about how much risk you are willing to take on."}],"markDefs":[],"style":"normal"}]},{"_key":"d1c8ce807752","_type":"block","children":[{"_key":"529ab8a31dcc","_type":"span","marks":[],"text":""},{"_key":"db928b2e64b8","_type":"mainAnchor","pageAnchor":{"_ref":"ff165e53-bd82-4801-b660-c14c1f2d9808","_type":"reference"}},{"_key":"c9fd2f6ab095","_type":"span","marks":[],"text":"What are the cons of ready-made portfolios?"}],"markDefs":[],"style":"h2"},{"_key":"1b2e2db3eae4","_type":"block","children":[{"_key":"4db14c105fff","_type":"span","marks":["strong"],"text":"The main drawbacks are limited investment choice, potentially higher costs through a robo-adviser and difficulty comparing performance across providers."}],"markDefs":[],"style":"normal"},{"_key":"9701fedd8172","_type":"block","children":[{"_key":"e19f4c941d4b","_type":"span","marks":[],"text":""},{"_key":"f652477a950f","_type":"mainAnchor","pageAnchor":{"_ref":"f7bfd443-0667-4ed8-a204-d14224f4feae","_type":"reference"}},{"_key":"badf8df9a789","_type":"span","marks":[],"text":"❌ Not enough choice"}],"markDefs":[],"style":"h3"},{"_key":"d8a15008fa5d","_type":"block","children":[{"_key":"d748871ab1a9","_type":"span","marks":[],"text":"If you’re a more experienced investor or someone who would prefer to have control over the ins and outs of their investments, a ready-made portfolio isn’t going to give you enough choice. All the decisions about what the portfolio is invested in, the proportion each element makes up of the whole and whether or not any adjustments are necessary are made for you – so if you want to be in total control, it’s not for you."}],"markDefs":[],"style":"normal"},{"_key":"00941053b8cf","_type":"block","children":[{"_key":"0be4f48a8010","_type":"span","marks":[],"text":""},{"_key":"48144685f283","_type":"mainAnchor","pageAnchor":{"_ref":"51c9ec3b-283f-439f-8475-964151d80f2b","_type":"reference"}},{"_key":"8969169c47b3","_type":"span","marks":[],"text":"❌ Can be expensive"}],"markDefs":[],"style":"h3"},{"_key":"d59831db12af","_type":"block","children":[{"_key":"d28e8fadda4e","_type":"span","marks":[],"text":"Ready-made portfolios can come with a higher price tag if you buy them through a"},{"_key":"2046e2f7789b","_type":"span","marks":["371b58d7b032"],"text":" robo adviser"},{"_key":"ea084cb7ca23","_type":"span","marks":[],"text":". This is because robo advisers typically offer a rebalancing service where your portfolio is continually monitored and adjusted using complex algorithms and AI designed to match your chosen level of investment risk (more on robo advisers and risk later). You’re essentially paying a bit extra for the convenience of not having to do this number-crunching – or the admin of manually tweaking your investments – yourself.  For some this isn’t worth it, but for others, some extra money every year for someone else to do the hard work is a sacrifice worth making. "}],"markDefs":[{"_key":"371b58d7b032","_type":"glossaryPick","reference":{"_ref":"a4f2c20d-3281-4d94-abdb-4a361ef45dab","_type":"reference"}}],"style":"normal"},{"_key":"7d9c5d5222b3","_type":"block","children":[{"_key":"976cd411fcf4","_type":"span","marks":[],"text":"Alternatively, ready-made portfolios cost the same amount on a standard investment platform as buying all the individual investments separately on the same platform. But for many investors, and particularly for beginners, if you’re happy with what a ready-made portfolio is investing in, it's usually easier to just buy it. Otherwise you're managing dozens of individual investments separately for the same end cost."}],"markDefs":[],"style":"normal"},{"_key":"714ff3fd4efc","_type":"block","children":[{"_key":"852b280917d7","_type":"span","marks":[],"text":""},{"_key":"04f08902b23a","_type":"mainAnchor","pageAnchor":{"_ref":"4c907ba2-4736-40b1-9cbc-d4a67ed183f2","_type":"reference"}},{"_key":"6ceeced9d06a","_type":"span","marks":[],"text":"❌ Hard to compare performance"}],"markDefs":[],"style":"h3"},{"_key":"f64b86f5afcd","_type":"block","children":[{"_key":"bd2f100d6f1b0","_type":"span","marks":[],"text":"There’s a large selection of ready-made portfolios on the market, all of which can invest in very different things in very different ways, which can make it difficult to compare how the one you’ve got is doing relative to similar ones. This could mean you end up sticking around in a portfolio which is underperforming simply because you’re not aware of its relative performance. "}],"markDefs":[],"style":"normal"},{"_key":"706f68ae82ac","_type":"block","children":[{"_key":"e18954c2940e","_type":"span","marks":[],"text":"Fortunately, we’ve got just fix for that - "},{"_key":"24db6d8b3e40","_type":"span","marks":["5e4ffac83d08"],"text":"click here"},{"_key":"9e947ac64466","_type":"span","marks":[],"text":" to see the latest performance results from the UK's top ready-made portfolio providers. "}],"markDefs":[{"_key":"5e4ffac83d08","_type":"internalLinkPick","reference":{"_ref":"9759ddeb-6a13-408b-9fb3-4b03280fa475","_type":"reference"}}],"style":"normal"},{"_key":"9d7b668936f0","_type":"block","children":[{"_key":"ca9cec0117b7","_type":"span","marks":[],"text":""},{"_key":"5cd5e1d68f45","_type":"mainAnchor","pageAnchor":{"_ref":"b683c5e6-6236-4a17-bf7d-90ec37ffeb0d","_type":"reference"}},{"_key":"e8fe8a7219dc","_type":"span","marks":[],"text":"Top questions on ready-made portfolios"}],"markDefs":[],"style":"h2"},{"_key":"e689c6ec2420","_type":"block","children":[{"_key":"cfac45cad209","_type":"span","marks":[],"text":"How much do ready-made portfolios cost?"}],"markDefs":[],"style":"h3"},{"_key":"bbdc8bc5795d","_type":"block","children":[{"_key":"176dd5566bb7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9d741607ffb8","_type":"textboxWidget","image":{"_type":"mainImage","alt":"💡 All-in fees are typically in the range of between 0.50 - 1% per year."},"text":[{"_key":"39e59e8b504d","_type":"block","children":[{"_key":"58347245920d","_type":"span","marks":[],"text":"💡"},{"_key":"2437b6c33d1a","_type":"span","marks":["strong"],"text":" All-in fees are typically in the range of between 0.50 - 1% per year."}],"markDefs":[],"style":"normal"}]},{"_key":"26004d4bc6ca","_type":"block","children":[{"_key":"cb896735a55b0","_type":"span","marks":[],"text":"The cost of investing in a ready-made portfolio depends on which one you choose and the provider that runs it. All-in fees are typically in the range of between 0.50 - 1% per year. "}],"markDefs":[],"style":"normal"},{"_key":"47000acf2489","_type":"block","children":[{"_key":"285e9351cfbe","_type":"span","marks":[],"text":"See how the Boring Money analysts rate the costs of ready-made solutions across different pricing scenarios below"}],"markDefs":[],"style":"normal"},{"_key":"ffa6948a3cec","_type":"frameWidget","href":"https://www.canva.com/design/DAHDdOoh13Q/PV58xgqF_Alg8RV94V6uWA/view?embed"},{"_key":"4dfb663757e4","_type":"block","children":[{"_key":"8bd12e398357","_type":"span","marks":["em"],"text":"Source: Boring Money Data, correct as at 01/03/2026"}],"markDefs":[],"style":"normal"},{"_key":"3b5ad8b04f10","_type":"block","children":[{"_key":"e39bc5ec0cea","_type":"span","marks":[],"text":"Ready-made portfolios bought from a robo-adviser are usually on the higher end of this scale. However, as we mentioned before, you’re effectively paying for the convenience of the robo adviser to select and monitor all the underlying investments for you on an ongoing basis. This means that the price is sometimes a bit higher, but there’s less effort required from you to regularly tweak and rebalance your portfolio by yourself."}],"markDefs":[],"style":"normal"},{"_key":"6eabbce8b1ce","_type":"block","children":[{"_key":"429b0608ca66","_type":"span","marks":[],"text":""},{"_key":"732c3e42c6b1","_type":"mainAnchor","pageAnchor":{"_ref":"282a43f9-0565-46fe-aa52-8a66a420d68a","_type":"reference"}},{"_key":"2cb08af59ddd","_type":"span","marks":[],"text":"What’s the difference between a multi-asset fund and a ready-made portfolio? "}],"markDefs":[],"style":"h3"},{"_key":"b0a88c6ba6cb","_type":"block","children":[{"_key":"057476df7b6c","_type":"span","marks":[],"text":"A multi-asset fund is a single fund that holds a variety of different assets. A "},{"_key":"31ab943afc9f","_type":"span","marks":["876aa3b004a1"],"text":"ready-made portfolio"},{"_key":"97a3916ed8cc","_type":"span","marks":[],"text":", on the other hand, is usually a bundle of different funds (often including multi-asset funds) prepared by an investment provider to match "}],"markDefs":[{"_key":"876aa3b004a1","_type":"internalLinkPick","reference":{"_ref":"9da15cff-7c7f-44af-af83-e5d5765bc4bd","_type":"reference"}}],"style":"normal"},{"_key":"242ee40ac74f","_type":"block","children":[{"_key":"51fdb12bddd7","_type":"span","marks":[],"text":"Think of the fund as one dish and the portfolio as the whole buffet."}],"markDefs":[],"style":"normal"},{"_key":"317c0d081502","_type":"block","children":[{"_key":"5772c15edf52","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9060d899741d","_type":"tableControl","rows":[{"_key":"7e51deb836d3","_type":"row","cells":[{"_key":"f79d114c10a9","_type":"cell","tableStyle":"DB","value":[{"_key":"db14d1ee515e","_type":"block","children":[{"_key":"f54fcb46e9ca","_type":"span","marks":["strong"],"text":"Multi-asset fund"}],"markDefs":[],"style":"normal"}]},{"_key":"ec9b259076b3","_type":"cell","tableStyle":"DB","value":[{"_key":"b8e4014834b2","_type":"block","children":[{"_key":"94bf261b4147","_type":"span","marks":["strong"],"text":"Ready-made portfolio"}],"markDefs":[],"style":"normal"}]}]},{"_key":"e7fbd6e6219c","_type":"row","cells":[{"_key":"86b27cce148b","_type":"cell","tableStyle":"W","value":[{"_key":"c2004c5b3b00","_type":"block","children":[{"_key":"53fbbf0726950","_type":"span","marks":[],"text":"A single fund that provides exposure to multiple assets within one product – for example, bonds, shares "},{"_key":"b8ea44672d72","_type":"span","marks":["em"],"text":"and "},{"_key":"2b6384c2e993","_type":"span","marks":[],"text":"commodities."}],"markDefs":[],"style":"normal"}]},{"_key":"210631dccfd3","_type":"cell","tableStyle":"W","value":[{"_key":"570b344f46cf","_type":"block","children":[{"_key":"3a526871864d0","_type":"span","marks":[],"text":"A type of multi-asset fund which provides a blend of bond and equity exposure depending on your tolerance for risk (more on this below)."}],"markDefs":[],"style":"normal"}]}]}],"tableStyle":"DB-W-LB"},{"_key":"125dfe6fa1b2","_type":"block","children":[{"_key":"f9cdfa0bf2f7","_type":"span","marks":[],"text":""},{"_key":"ac1102b3e9b4","_type":"mainAnchor","pageAnchor":{"_ref":"949df85c-448c-42b2-96e9-1eba6b556a6a","_type":"reference"}},{"_key":"2c4c835751a20","_type":"span","marks":[],"text":"How do I know which risk level is right for me?"}],"markDefs":[],"style":"h3"},{"_key":"cb9b02161637","_type":"block","children":[{"_key":"22cb3bcee2c0","_type":"span","marks":["strong"],"text":"Risk tolerance mainly comes down to your investing timeframe - the longer you can leave your money invested, the more short-term risk you can typically afford to take."}],"markDefs":[],"style":"normal"},{"_key":"12f2937f6de7","_type":"block","children":[{"_key":"df5f6bb4c3ea0","_type":"span","marks":[],"text":"Deciding how much risk you’re willing to tolerate with your investments is ultimately a personal decision. It’s important however to understand what we really mean when we talk about investment ‘risk’ before you make a decision."}],"markDefs":[],"style":"normal"},{"_key":"921a38fb4d03","_type":"block","children":[{"_key":"bbb7b3c50de90","_type":"span","marks":[],"text":"It’s not the same as - let's say - gambling, skiing down the black run, or even driving on the motorway at 100 miles per hour. Investment risk is actually all about volatility and how much the stock market can fluctuate over a given period of time. If you're investing over 30 years, for example, the ups and downs of today don't matter as much because you’ve got plenty of time to make up for any poor performances. But if, on the other hand, you’re investing for only 5 years, your investments would have a lot less time to recover if markets took a dip. So you can see, timeframes play a huge role in investment risk."}],"markDefs":[],"style":"normal"},{"_key":"339ffa75ca9d","_type":"block","children":[{"_key":"1c50a1db9038","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ab8a58ed19f8","_type":"blockQuote","adviserName":"Holly Mackay","jobTitle":"Founder & CEO, Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay on investing risk and timeframes","asset":{"_ref":"image-09007f04fb546b786000b2729947b6dfc2f690aa-606x438-jpg","_type":"reference"}},"quote":[{"_key":"ea64f9ed170b","_type":"block","children":[{"_key":"b9917d105263","_type":"span","marks":[],"text":"As a rule of thumb, the more risk you take, the greater the chance of higher returns over the long-term. However, only you will know which category is right for you. Generally speaking, if your investment time horizon is ten years or more, then you could consider the higher risk portfolios. For those people investing with shorter time horizons - five years or so - or who don't have an appetite for alarming ups and downs, the low risk portfolios could be a good option. In theory, they should offer a smoother investment ride; they will make less over the long-term, but face less short-term volatility. Less than five years though and cash may be your best bet."}],"markDefs":[],"style":"normal"}]},{"_key":"82fedf2607f2","_type":"block","children":[{"_key":"8fd35a343b0f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"2c835a525aea","_type":"block","children":[{"_key":"1ef87a462c1a0","_type":"span","marks":[],"text":"It’s also important to remember the very real risk of underestimating the impact of "},{"_key":"978d3055f439","_type":"span","marks":["1a8ada013d70"],"text":"inflation"},{"_key":"6d0cbd2e7e61","_type":"span","marks":[],"text":" on cash. Though it’s understandable to feel unsure and even nervous about investing your money, you could be locking yourself into losses if you leave your money in a current account or low interest savings account. Inflation will chew away at your pot over the longer-term and you could end up with savings that are worth considerably less than they were when you started. For example, if inflation is at 5% and you’re only earning 3% interest on your current account, then you’re actually losing 2% in real terms."}],"markDefs":[{"_key":"1a8ada013d70","_type":"glossaryPick","reference":{"_ref":"9d62b1af-7674-4f39-ba20-b0154d565241","_type":"reference"}}],"style":"normal"},{"_key":"7225e60d248d","_type":"block","children":[{"_key":"6b1ed8141a9d0","_type":"span","marks":[],"text":"For those aiming to save for five years or less, this is less of a concern, but the cumulative effect of inflation over periods longer than this could erode the value of your savings. 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"}],"markDefs":[{"_key":"298daf3775d7","_type":"internalLinkPick","blank":true,"reference":{"_ref":"592042ed-f344-48fb-9e08-648227e722e6","_type":"reference"}},{"_key":"bbf4adfe2e3e","_type":"internalLinkPick","blank":true,"reference":{"_ref":"4506578b-e50c-4553-8a44-48ae9d21285e","_type":"reference"}}],"style":"normal"},{"_key":"6b052df9132d","_type":"block","children":[{"_key":"03a56a66f0b9","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"styles":"White","title":"How is a Stocks & Shares ISA different from a Cash ISA?"},{"_key":"096d2b879670a03519945e5f2ce697b1","_type":"titleSection","alignment":"Text Left","introPara":[{"_key":"f7f88452a993","_type":"block","children":[{"_key":"4131fe7474b1","_type":"span","marks":[],"text":"Can I take my money out whenever I want?"}],"markDefs":[],"style":"h3"},{"_key":"0ca874e0f967","_type":"block","children":[{"_key":"1c527eff7158","_type":"span","marks":[],"text":"Yes — there's no lock-in. 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Each friend or family can invest up to £100k in an ISA or a GIA.\n\nRegular investment: Free\nDividend reinvestment: £0.99\nTelephone trades: £49 (in addition to relevant online commission)\n\nExisting customers can open JISAs at no extra cost\n\nForeign exchange fee depends on transaction value:\nFirst £50k: 0.75%\n£50k+: 0.25%"}],"markDefs":[],"style":"normal"}],"isHeader":false}]},{"_key":"row-1776080801981","_type":"tableRow","cells":[{"_key":"cell-1776080801981-0","_type":"tableCell","content":[{"_key":"b0542bf66fd8","_type":"block","children":[{"_key":"38fbfd9e106b","_type":"span","marks":[],"text":"Premium"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-1","_type":"tableCell","content":[{"_key":"7f953f1912e2","_type":"block","children":[{"_key":"6dcd5c25d80d","_type":"span","marks":[],"text":"£39.99 per month"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-2","_type":"tableCell","content":[{"_key":"1d85ccc53124","_type":"block","children":[{"_key":"fa2021186811","_type":"span","marks":[],"text":"All"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-3","_type":"tableCell","content":[{"_key":"0741932a2a0d","_type":"block","children":[{"_key":"a766f3e249e8","_type":"span","marks":[],"text":"Funds: Free\nUK shares, investment trusts, US shares: £2.99\nOther international shares: £5.99\nUK shares & funds over £100k: £40\nUS shares over £100k: 0.04%\nInternational shares over £25k: 0.01%"}],"markDefs":[],"style":"normal"}],"isHeader":false},{"_key":"cell-1776080801981-4","_type":"tableCell","content":[{"_key":"e1ac7533fee1","_type":"block","children":[{"_key":"ad7946eaf519","_type":"span","marks":["strong"],"text":"2 x Free monthly trading credits"},{"_key":"7f2c863232f6","_type":"span","marks":[],"text":"\n\nUnlimited free family and friends accounts. 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See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. 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Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. As they're not controlled by central banks, cryptocurrencies tend to be highly volatile so prices can fluctuate frequently and significantly."}],"markDefs":[],"style":"normal"},{"_key":"4fd6edeaec1a","_type":"block","children":[{"_key":"1518ea976f720","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"}],"title":"C"}]},{"_key":"4b6b7fd8b07b","_type":"block","children":[{"_key":"ada48575a2af","_type":"span","marks":[],"text":""},{"_key":"6530e9c4006c","_type":"mainAnchor","pageAnchor":{"_ref":"910b05df-3708-42e8-97a7-169bace209dc","_type":"reference"}},{"_key":"7b93e7b2e8c0","_type":"span","marks":[],"text":""},{"_key":"0bf5c2186bdc","_type":"mainAnchor","pageAnchor":{"_ref":"ad8b1420-9d8d-410a-b18d-2daa20381fcc","_type":"reference"}},{"_key":"e8b1e9b70cc5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"dab1c4611b0a","_type":"dropdownWidget","items":[{"_key":"56026e1440db","_type":"dropdownObject","text":[{"_key":"b1a5d07b5519","_type":"block","children":[{"_key":"80c833b2a5e6","_type":"span","marks":[],"text":"Day trading"}],"markDefs":[],"style":"h4"},{"_key":"d456dd423bbd","_type":"block","children":[{"_key":"087683ad21d9","_type":"span","marks":[],"text":"Day trading is the practice of rapidly buying and selling shares throughout the day in the hope of making a profit as a result of small price fluctuations. This is a technique used by experienced investors and involves holding investments for as little as seconds before selling them on again."}],"markDefs":[],"style":"normal"},{"_key":"ad51307e03f7","_type":"block","children":[{"_key":"66009eb60584","_type":"span","marks":[],"text":"Deflation"}],"markDefs":[],"style":"h4"},{"_key":"eaf1f5e0a1aa","_type":"block","children":[{"_key":"33a0aa1e3191","_type":"span","marks":[],"text":"Deflation is the opposite of inflation. It occurs when the average price of goods and services decreases - or, simply put, when inflation falls below 0%."}],"markDefs":[],"style":"normal"},{"_key":"b113932d8759","_type":"block","children":[{"_key":"ad06d7ffd382","_type":"span","marks":[],"text":"Derivatives"}],"markDefs":[],"style":"h4"},{"_key":"52162e92758f","_type":"block","children":[{"_key":"7319e1b21a9b0","_type":"span","marks":[],"text":"A derivative is a financial contract that derives its value from the performance of an underlying asset, such as shares, bonds, commodities, or indices. It doesn't have intrinsic value on its own but rather \"derives\" its value from the price movements of the underlying asset. Derivatives can be used for various purposes, such as hedging against risks or speculating on price movements."}],"markDefs":[],"style":"normal"},{"_key":"a394c84d991b","_type":"block","children":[{"_key":"b6049561925e","_type":"span","marks":[],"text":"Distributing (Dist)"}],"markDefs":[],"style":"h4"},{"_key":"d92275473edc","_type":"block","children":[{"_key":"b91003a2ff33","_type":"span","marks":[],"text":"This is a descriptor used when a fund pays out a dividend to its investors. It is the opposite of an Accumulation or 'Acc' fund (see definition under 'A')."}],"markDefs":[],"style":"normal"},{"_key":"539ee7d465b2","_type":"block","children":[{"_key":"65bd7ce14307","_type":"span","marks":[],"text":"Diversification"}],"markDefs":[],"style":"h4"},{"_key":"329208177bd2","_type":"block","children":[{"_key":"3b6a386c064f","_type":"span","marks":[],"text":"Diversification is the process of spreading your investment portfolio across different asset classes, such as partially in shares and partially in bonds, in order to reduce risk. In other words, you're not putting all your eggs in one basket."}],"markDefs":[],"style":"normal"},{"_key":"c96483c20943","_type":"block","children":[{"_key":"6a15f3d9e40c","_type":"span","marks":[],"text":"Dividends"}],"markDefs":[],"style":"h4"},{"_key":"81ec74a9bae8","_type":"block","children":[{"_key":"0ef8678d6d8c","_type":"span","marks":[],"text":"A dividend is like a cash bonus you get in return for investing in something. 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Emerging market investments are usually considered to carry more risk, often because there is less information about them or less strong regulation in the economy they're based in."}],"markDefs":[],"style":"normal"},{"_key":"0bf72b93a6b3","_type":"block","children":[{"_key":"f281244e9629","_type":"span","marks":[],"text":"Equities"}],"markDefs":[],"style":"h4"},{"_key":"f82c7aff08b0","_type":"block","children":[{"_key":"92f7cd20a2bb","_type":"span","marks":[],"text":"Equities are another word for shares or stocks. 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ESG is increasingly popular as a method of assessing the environmental and social impact of investments, particularly for investors looking for \"green\" or \"impact\" investments - essentially, investments that claim to do some good for the world."}],"markDefs":[],"style":"normal"},{"_key":"b4065cf8967d","_type":"block","children":[{"_key":"ab1394a07929","_type":"span","marks":[],"text":"Exchange-Traded Fund (ETF)"}],"markDefs":[],"style":"h4"},{"_key":"c181cc772c9c","_type":"block","children":[{"_key":"ca38451ec42a","_type":"span","marks":[],"text":"An Exchange Traded Fund or ETF is a type of fund made up of a number of assets which can be bought and sold on the stock market, in the same way as you would with individual shares. ETFs can invest in lots of different asset classes. Think of them like an investment \"playlist\" - an easy way to access a collection of things. 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Offer ends on 31 August 2026. *Terms & trading fees apply. Available to new customers opening a SIPP only. Not available to existing customers. £20,000 minimum deposit required. Funding can be via transfers, contributions, or both. Cashback will be paid within 30 days of qualification. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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There is also the option to take a quiz and have Vanguard match you with investments that “fit your attitude to risk”, plus get optional access to expert guidance."}],"markDefs":[],"style":"normal"},{"_key":"407bb9ed5695","_type":"block","children":[{"_key":"521b840f5769","_type":"span","marks":[],"text":"The cost of investing with a Vanguard SIPP differs depending on how much you invest and your account type. For a managed SIPP, the account fee is 0.15% a year, with an additional 0.30% management fee and fund management charges of about 0.17% depending on your portfolio, totalling an all-in cost of around 0.62%."}],"markDefs":[],"style":"normal"},{"_key":"a86bea1be945","_type":"block","children":[{"_key":"01625865722d0","_type":"span","marks":[],"text":"You can set up a Vanguard SIPP with a £500 initial lump sum or start with £100 monthly regular investing installments."}],"markDefs":[],"style":"normal"},{"_key":"07744add9fa4","_type":"block","children":[{"_key":"4c88dc876e77","_type":"span","marks":["strong"],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9c1bb78bc213","_type":"block","children":[{"_key":"f4305fe1f515","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"title":"Vanguard Pension review"},{"_key":"655bbfdee49e","_type":"block","children":[{"_key":"5be44949b009","_type":"span","marks":[],"text":""},{"_key":"c8c7452b0adf","_type":"mainAnchor","pageAnchor":{"_ref":"ee27d09d-a3cd-4792-9e2a-c3c517b2e0b2","_type":"reference"}},{"_key":"2fcee4b1fdf5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"b27178c94a73","_type":"textboxWidget","text":[{"_key":"39d0b591ba1b","_type":"block","children":[{"_key":"83f84237eb81","_type":"span","marks":[],"text":"Vanguard has a "},{"_key":"f4137cbee9bb","_type":"span","marks":["1ea80123d681"],"text":"Stocks & Shares Junior ISA"},{"_key":"54d4dad2cf29","_type":"span","marks":[],"text":", where you can invest up to £9,000 every tax year on behalf of your children or grandchildren."}],"markDefs":[{"_key":"1ea80123d681","_type":"internalLinkPick","reference":{"_ref":"d5b77d3e-daa0-4a42-ba55-c68b5fce8fff","_type":"reference"}}],"style":"normal"},{"_key":"7ff43d774b85","_type":"block","children":[{"_key":"c07b73d150f00","_type":"span","marks":[],"text":"Like the adult Stocks & Shares ISA, JISA users can choose from a range of investments including over 85 funds, ETFs and Vanguard’s own ready-made portfolios. 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"}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"3a4e30ea425a","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_id":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"information","_rev":"tog0wU1YHKUDgALpAlmmZ1","_createdAt":"2023-11-13T14:54:54Z","_updatedAt":"2024-12-20T10:04:12Z","authors":[{"_key":"37f62d1292a8","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"71d249d9d01f","_type":"block","children":[{"_key":"c44a72677fe0","_type":"span","marks":["strong"],"text":"Boring Money's glossary has been created to help you better understand the world of finance and investing. 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We hope you find it helpful and easy to understand - whether you're a beginner investor or a budding Wolf of Wall Street."}],"markDefs":[],"style":"normal"},{"_key":"0622aa4999ff","_type":"block","children":[{"_key":"ac560989e19a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"626942a663a9","_type":"mainImage","alt":"An image of an open book and a set of Scrabble letters spelling out 'glossary'","asset":{"_ref":"image-e7bb499b6f0e9736ca8cd31bd4ea6864375b3101-1920x1080-png","_type":"reference"}},{"_key":"706b03ba0de6","_type":"block","children":[{"_key":"75b8a99586c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"565c0c44e4be","_type":"block","children":[{"_key":"36a2528cf8c5","_type":"span","marks":[],"text":"How does it work?"}],"markDefs":[],"style":"h3"},{"_key":"9d83116f0520","_type":"block","children":[{"_key":"9ca4b8af735f","_type":"span","marks":[],"text":"Scroll down to begin learning about terms starting with the letter 'A' or use the menu to the left (below on mobile) to skip to the section you're looking for."}],"markDefs":[],"style":"normal"},{"_key":"4288ba86f457","_type":"anchorMenuMobile","title":"s"},{"_key":"f5045e0032ed","_type":"block","children":[{"_key":"6f2de6882cc7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"40848fa4f9f3","_type":"block","children":[{"_key":"8d84c97822a0","_type":"span","marks":[],"text":""},{"_key":"55f89ac5b1f8","_type":"mainAnchor","pageAnchor":{"_ref":"9f33a9fe-bf26-47e6-980a-92ef56b35048","_type":"reference"}},{"_key":"6d156f2bb4ec","_type":"span","marks":[],"text":""},{"_key":"f9cdf9c18a56","_type":"mainAnchor","pageAnchor":{"_ref":"7f2fc9e3-0c19-418f-8982-8172e658c6e6","_type":"reference"}},{"_key":"f459a572abb6","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a676fa7fc813","_type":"dropdownWidget","items":[{"_key":"4231c712c52f","_type":"dropdownObject","text":[{"_key":"37f2f69c7e6d","_type":"block","children":[{"_key":"323f23660f73","_type":"span","marks":[],"text":"Accumulating (Acc)"}],"markDefs":[],"style":"h4"},{"_key":"1517798f4932","_type":"block","children":[{"_key":"ca4b7e32c4fb","_type":"span","marks":[],"text":"This is a descriptor used when a fund reinvests any dividends back into the fund itself and thus accumulates over time. In other words, you do not earn an income from an Acc fund, but it may suit 'growth' investors who want to prioritise the value of their assets growing over time."}],"markDefs":[],"style":"normal"},{"_key":"06fe8c08d34c","_type":"block","children":[{"_key":"c00d44a3a0a1","_type":"span","marks":[],"text":"Actively managed"}],"markDefs":[],"style":"h4"},{"_key":"cc645aa7f11c","_type":"block","children":[{"_key":"b5216f215395","_type":"span","marks":[],"text":"An actively managed investment is run by a professional or group of professionals, usually called portfolio managers or fund managers, who make decisions about what to buy to try and outperform the market for their customers. Actively managed investments are different from passive investments."}],"markDefs":[],"style":"normal"},{"_key":"8a51ed8d3cb6","_type":"block","children":[{"_key":"2ad7da7a77c4","_type":"span","marks":[],"text":"Alpha"}],"markDefs":[],"style":"h4"},{"_key":"38ae0c3ea765","_type":"block","children":[{"_key":"b887c801ca5f0","_type":"span","marks":[],"text":"Alpha is how much better (or worse) an investment performs compared to what you'd expect it to perform, considering its risk level."}],"markDefs":[],"style":"normal"},{"_key":"036f3b595cd1","_type":"block","children":[{"_key":"e91a4879862a0","_type":"span","marks":[],"text":"Think of it like this: If you're taking on a certain amount of risk with an investment, there's a typical return you should expect. Alpha tells you if you're getting more or less than that expected return. A positive alpha means you're beating expectations, while a negative alpha means you're falling short."}],"markDefs":[],"style":"normal"},{"_key":"47ceb3d0e5b3","_type":"block","children":[{"_key":"be9cea48e946","_type":"span","marks":[],"text":"Annuity"}],"markDefs":[],"style":"h4"},{"_key":"e65b4d55194e","_type":"block","children":[{"_key":"ddbe25414f44","_type":"span","marks":[],"text":"An annuity is a product you can buy which pays out a guaranteed, regular stream of income. They are most often purchased by retirees to convert their retirement savings into annual income packages. This is an alternative to pension drawdown, where you withdraw cash from your pension at your own discretion."}],"markDefs":[],"style":"normal"},{"_key":"099e5cf58cd6","_type":"block","children":[{"_key":"2f6cb36e28fe","_type":"span","marks":[],"text":"Asset"}],"markDefs":[],"style":"h4"},{"_key":"18b4a1b002ae","_type":"block","children":[{"_key":"926ed2451b39","_type":"span","marks":[],"text":"Assets are anything you own that has monetary value. In the investing world, these are the individual things you're investing in. Common examples of assets include shares, bonds, property or cash. 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Examples of large asset management firms include BlackRock, Fidelity and Invesco."}],"markDefs":[],"style":"normal"},{"_key":"5ebb41045d42","_type":"block","children":[{"_key":"b2c24736f8af","_type":"span","marks":[],"text":"Ask price"}],"markDefs":[],"style":"h4"},{"_key":"f06a7b38f586","_type":"block","children":[{"_key":"d232e86c9379","_type":"span","marks":[],"text":"The ask price is the lowest price at which a seller states they are willing to sell an investment. 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For example, the S&P 500 index is a common benchmark used to compare the performance of shares in large, American companies."}],"markDefs":[],"style":"normal"},{"_key":"13b261412d98","_type":"block","children":[{"_key":"0fb88dd461ff","_type":"span","marks":[],"text":"Beneficiary"}],"markDefs":[],"style":"h4"},{"_key":"039ad5b3883b","_type":"block","children":[{"_key":"0c1ab210da81","_type":"span","marks":[],"text":"A beneficiary is an individual who receives money or assets, usually as part of a deceased person's will, pension or life insurance policy. You can usually nominate your chosen beneficiary or beneficiaries, but unless specified otherwise, your spouse, civil partner and/or next of kin are typically treated as your beneficiaries by default."}],"markDefs":[],"style":"normal"},{"_key":"40e65eb9d02a","_type":"block","children":[{"_key":"49a303acc7ff","_type":"span","marks":[],"text":"Bid-ask spread"}],"markDefs":[],"style":"h4"},{"_key":"98c76c5c6e2a","_type":"block","children":[{"_key":"b02d71561f0e","_type":"span","marks":[],"text":"The bid-ask spread is the amount by which the ask price (the lowest price the seller is willing to sell at) exceeds the bid price (the highest price the buyer is willing to buy at). A low bid-ask spread is considered more desirable as it facilitates quicker and easier trades, whereas a high bid-ask spread may become an obstacle and make it more difficult to complete a trade."}],"markDefs":[],"style":"normal"},{"_key":"73b7314ce137","_type":"block","children":[{"_key":"1ffc1d9e80f2","_type":"span","marks":[],"text":"Bid price"}],"markDefs":[],"style":"h4"},{"_key":"be1f08a4cb5d","_type":"block","children":[{"_key":"2660920b7428","_type":"span","marks":[],"text":"The bid price is the highest price a buyer is willing to pay for an investment. It's often referred to in conjunction with the ask price or the bid-ask spread."}],"markDefs":[],"style":"normal"},{"_key":"ad47e8b69c37","_type":"block","children":[{"_key":"d6642431907f","_type":"span","marks":[],"text":"Bond"}],"markDefs":[],"style":"h4"},{"_key":"1086f1593163","_type":"block","children":[{"_key":"36c41fda7d6c","_type":"span","marks":[],"text":"A bond is a type of asset that represents a loan. 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Like \"bearish\", the term \"bullish\" can also be used to describe individual assets as well as the stock market."}],"markDefs":[],"style":"normal"}],"title":"B"}]},{"_key":"5ecf0c91627c","_type":"block","children":[{"_key":"64a289cbf370","_type":"span","marks":[],"text":""},{"_key":"804133d4cacc","_type":"mainAnchor","pageAnchor":{"_ref":"5527799a-6336-4789-87ba-9c1a41547057","_type":"reference"}},{"_key":"e1880a04ce67","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cbcf283a4cb8","_type":"dropdownWidget","items":[{"_key":"0379e3b9ffd2","_type":"dropdownObject","text":[{"_key":"2291889539ae","_type":"block","children":[{"_key":"1540d6ea60190","_type":"span","marks":[],"text":"Capital gains"}],"markDefs":[],"style":"h4"},{"_key":"417d58fff95b","_type":"block","children":[{"_key":"01333c1618c6","_type":"span","marks":[],"text":"A capital gain is the profit - the \"gain\" or sometimes called the \"return\" - you make if you sell an investment at a higher price than what you bought it for."}],"markDefs":[],"style":"normal"},{"_key":"14c849774176","_type":"block","children":[{"_key":"e41742f57156","_type":"span","marks":[],"text":"Capital Gains Tax (CGT)"}],"markDefs":[],"style":"h4"},{"_key":"523b87035a57","_type":"block","children":[{"_key":"b2a176e90d5e","_type":"span","marks":[],"text":"Capital Gains Tax or CGT is a tax charged on the gains you make from selling an investment. It only applies if your gains exceed the annual allowance and is calculated at different rates depending on your usual tax bracket. It does not apply if you invest through a tax-free ISA. See our full guide "},{"_key":"23f5530af69b","_type":"span","marks":["5333e4dc7c81"],"text":"here"},{"_key":"b177ec33e172","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"5333e4dc7c81","_type":"internalLinkPick","reference":{"_ref":"575c26bf-76fb-419d-944a-f3b81d5a9d3b","_type":"reference"}}],"style":"normal"},{"_key":"e131cf527dc2","_type":"block","children":[{"_key":"568c655acceb","_type":"span","marks":[],"text":"Commodity"}],"markDefs":[],"style":"h4"},{"_key":"ffc841627173","_type":"block","children":[{"_key":"0e9764833cd0","_type":"span","marks":[],"text":"A commodity is a physical asset - usually a raw material or resource - such as wheat, gold or oil. \"Hard\" commodities refer to assets which must be mined or extracted, like gold or oil. \"Soft\" commodities are farmed or grown, such as wheat or coffee."}],"markDefs":[],"style":"normal"},{"_key":"925f76196a02","_type":"block","children":[{"_key":"df1b286ea923","_type":"span","marks":[],"text":"Compound interest"}],"markDefs":[],"style":"h4"},{"_key":"172a4d9f7b98","_type":"block","children":[{"_key":"044f75d18415","_type":"span","marks":[],"text":"Compound interest is the interest earned on savings or investments, including any earned previously. It grows exponentially and is a key advantage to starting out investing sooner rather than later - to give your investments more time, and thus more opportunity, to grow."}],"markDefs":[],"style":"normal"},{"_key":"e798e224c73a","_type":"block","children":[{"_key":"fad7af764672","_type":"span","marks":[],"text":"Consumer Price Index (CPI)"}],"markDefs":[],"style":"h4"},{"_key":"9818f8d23135","_type":"block","children":[{"_key":"f9a479008f5c","_type":"span","marks":[],"text":"The Consumer Price Index or CPI is a widely-used measure of inflation. It is used to represent the average change in prices across a range of goods and services that are typically purchased by UK households - for example, food and clothing. Core CPI excludes energy, food, alcohol and tobacco."}],"markDefs":[],"style":"normal"},{"_key":"39094b1cec8d","_type":"block","children":[{"_key":"5f7724e63ffa","_type":"span","marks":[],"text":"Copy trader"}],"markDefs":[],"style":"h4"},{"_key":"fc45fb444e81","_type":"block","children":[{"_key":"dbad6fb88be4","_type":"span","marks":[],"text":"A copy trader is someone who replicates the trades of someone else - usually, but not necessarily, an investing professional. The idea is to find an individual with a good track record and then copy their trades without having to assess or analyse anything yourself."}],"markDefs":[],"style":"normal"},{"_key":"32d73502e011","_type":"block","children":[{"_key":"6bb0057d23bf","_type":"span","marks":[],"text":"Corporate bond"}],"markDefs":[],"style":"h4"},{"_key":"671cdb804b1c","_type":"block","children":[{"_key":"bbd639400aed","_type":"span","marks":[],"text":"A corporate bond is a type of bond issued by a company. "}],"markDefs":[],"style":"normal"},{"_key":"c96a547a2bd7","_type":"block","children":[{"_key":"26b5e8c4cf51","_type":"span","marks":[],"text":"Credit rating"}],"markDefs":[],"style":"h4"},{"_key":"39869e40a5e5","_type":"block","children":[{"_key":"cb47f569539f","_type":"span","marks":[],"text":"A credit rating is a letter grade given to the issuer of a bond to indicate its \"quality\" - that is, the likelihood that the issuer will be able to keep up with their repayments and not default. The biggest bond credit rating agencies in the world are Standard & Poors, Moody's and Fitch. Credit ratings are regularly reviewed and can change at any time."}],"markDefs":[],"style":"normal"},{"_key":"da6c3c36816d","_type":"block","children":[{"_key":"e95462dc2e6a","_type":"span","marks":[],"text":"Credit reference agencies"}],"markDefs":[],"style":"h4"},{"_key":"efab9ccb32df","_type":"block","children":[{"_key":"2d8210715c17","_type":"span","marks":[],"text":"Credit reference agencies are companies which monitor and investigate an individual's personal and financial records to make a judgement on whether or not lenders should lend them money. This judgement is called a credit score. Banks and loan companies use credit reference agencies to determine if someone is essentially trustworthy or not, based on factors such as their financial stability and their history of using credit responsibly. The biggest credit reference agencies in the UK are Equifax, Experian and Transunion. 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A poor credit score can mean you are refused credit, such as a loan, which in turn can drag your score down even further. You can read more about credit scores in our full guide "},{"_key":"5b94a6a2fc04","_type":"span","marks":["b92a08e0e54d"],"text":"here"},{"_key":"380456b52813","_type":"span","marks":[],"text":"."}],"markDefs":[{"_key":"b92a08e0e54d","_type":"internalLinkPick","reference":{"_ref":"c35a2e48-fee0-4432-9a04-c3843110c519","_type":"reference"}}],"style":"normal"},{"_key":"eab5c250ee9a","_type":"block","children":[{"_key":"feecf9f1c857","_type":"span","marks":[],"text":"Cryptocurrency"}],"markDefs":[],"style":"h4"},{"_key":"9cc75c1e390c","_type":"block","children":[{"_key":"5f051b150e01","_type":"span","marks":[],"text":"Cryptocurrency or just \"crypto\" is a type of digital or virtual currency that uses cryptography for secure and decentralised (not managed by a central bank or government) transactions. Cryptocurrencies use a technology called blockchain to record and verify transactions. They can be used to buy goods and services online, and their value can fluctuate, similar to traditional currencies. Examples of cryptocurrencies include Bitcoin and Ethereum. 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The service is not the most exciting in town, and the supporting content and website could use some work, but they now have a decent app to support the journey. Changes to costs mean this is not the slam-dunk on costs for smaller investors that it used to be BUT it remains a pretty good value solution for people who don't want to choose from a range of funds and shares. Its Managed ISA and pension service are the most cost-effective and these ready-made options will please people who don't know how to - or who choose not to - manage a full portfolio themselves."}],"markDefs":[],"style":"normal"}]},{"_key":"2558928113d4","_type":"block","children":[{"_key":"1f2d365d2a22","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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There is also the choice of ready-made portfolios, such as the famed LifeStrategy range. Note that individual shares, investment trusts and other investments such as bonds are not available with a Vanguard ISA."}],"markDefs":[],"style":"normal"},{"_key":"7fc7f2136b79","_type":"block","children":[{"_key":"6a157b1d58230","_type":"span","marks":[],"text":"The cost of investing with a Vanguard ISA differs depending on how much you invest and your account type. For a self-managed Stocks and Shares ISA, the account fee is £4 a month for balances under £32,000 and 0.15% a year for balances over £32,000, with a maximum of £375 a year. The fund management cost ranges from 0.06% to 0.79%, depending on the specific fund. 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Any amount above this threshold is unlikely to be covered. Investments with Vanguard, on the other hand, are not guaranteed - by their nature, investments can and will go up and down in value."}],"markDefs":[],"style":"normal"},{"_key":"3d0f6d9cf4f7","_type":"block","children":[{"_key":"50aa8a6a1197","_type":"span","marks":[],"text":""},{"_key":"a4bbeea1bc80","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"5928213953fc","_type":"span","marks":[],"text":"Who owns Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"0974ad308043","_type":"block","children":[{"_key":"205f6431eb040","_type":"span","marks":[],"text":"John C. Bogle (1929–2019) founded Vanguard in 1975. Since its inception, Bogle structured Vanguard to be owned by its own funds, which in turn means it’s owned by its own investors. Vanguard states that this unique ownership structure enables it to “focus squarely on meeting the investment needs of our clients”."}],"markDefs":[],"style":"normal"},{"_key":"62407364eb60","_type":"block","children":[{"_key":"f876930d58e0","_type":"span","marks":[],"text":""},{"_key":"af5a27d80ae0","_type":"mainAnchor","pageAnchor":{"_ref":"ee737e7f-710d-466a-8978-c12d1e0a1e90","_type":"reference"}},{"_key":"01a4deec7b76","_type":"span","marks":[],"text":"Can I move my pension to Vanguard?"}],"markDefs":[],"style":"h3"},{"_key":"e456a5de6a69","_type":"block","children":[{"_key":"f2b5a1d330fe0","_type":"span","marks":[],"text":"Yes, it is possible to transfer or ‘consolidate’ an existing, UK-registered pension to Vanguard. 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Many people have lost or forgotten about pensions from previous jobs, or you may just have quite a few that you’re aware of but find it hard to keep track of them all separately."}],"markDefs":[],"style":"normal"},{"_key":"7411810636bb","_type":"block","children":[{"_key":"4fcc1d7fa9ad0","_type":"span","marks":[],"text":"There are millions of people in the UK who are juggling multiple pensions. 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The fees you pay can usually be broken down into the annual percentage charge for individual investment funds and also a platform charge for the firm that manages your pension. Sometimes, these two fees are combined into an ‘all inclusive’ fee. It’s important to understand what you’re paying on each of your existing pension plans, before making a comparison with the plan you’d like to keep. This may all take a bit of research, but it can be well worth the effort. There’s a huge bandwidth of charges between different pension funds and providers, so a saving of just 0.5% per year can make a big difference in the long term!"}],"markDefs":[],"style":"normal"}]},{"_key":"41073b6c9190","_type":"block","children":[{"_key":"ec067acc52dd","_type":"span","marks":[],"text":""},{"_key":"6ec4d9886500","_type":"mainAnchor","pageAnchor":{"_id":"5499cca2-901b-424b-8e02-c3364fb71e68","_type":"anchorCategory","_rev":"5if6OpiB3iy3C5t2bxJqKw","_createdAt":"2023-10-30T12:37:58Z","_updatedAt":"2023-10-30T12:37:58Z","AnchorName":"bettergrowth","id":"-aa85c66c-719b-5eaf-933b-b7f8586cce83","children":[],"parent":null}},{"_key":"f8b46538f6fe0","_type":"span","marks":[],"text":"May get better growth"}],"markDefs":[],"style":"h3"},{"_key":"89cdb8f5f89a","_type":"block","children":[{"_key":"15f17a000ec30","_type":"span","marks":[],"text":"Past performance is never a guarantee of future success. 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Easy to use with good service. For smaller pensions, it's good value, but those considering moving over their (probably inferior) workplace pension should think carefully - it will likely be a more expensive option but, on the flip side, will be easier, clearer and much better to use. The better usability will also encourage users to learn more about pensions and get their heads around it at a younger age - always a good thing."}],"markDefs":[],"style":"normal"}]},{"_key":"58d69407584b","_type":"block","children":[{"_key":"67de51c85cff","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. 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It includes pension calculators, retirement forecasting and other tools to help customers plan ahead for their retirement and helps them to make appropriate withdrawals once they reach retirement age. PensionBee’s vision is “a world where everyone can enjoy a happy retirement”, and their mission is to “build pension confidence”. 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Once you reach 55 years of age, you are legally permitted to start making withdrawals from your personal or workplace pensions if you so choose (this will increase to 57 in 2028)."}],"markDefs":[],"style":"normal"},{"_key":"9f9f8c3f3c74","_type":"block","children":[{"_key":"6bccd50c487e","_type":"span","marks":[],"text":"At this point, PensionBee offers various ways for you to take your pension. If you opt to draw down from your pension, PensionBee offers two ways to do this. You can take one-off withdrawals when you need, or schedule Automatic withdrawals and get payments of the same amount paid into your bank account on the same day every month. You can always change the amount and date or cancel and go back to single withdrawals. You can also take it as an annuity (PensionBee is connected with Legal & General to offer this service) or combine the two options, i.e. putting some of your pension into an annuity and drawing down on the rest."}],"markDefs":[],"style":"normal"},{"_key":"2b476287e8aa","_type":"block","children":[{"_key":"6818ed6c8f2f0","_type":"span","marks":[],"text":"Choosing how to access your pension is an extremely important decision. After all, this determines the flow of income into your bank account when you’re retired. PensionBee has numerous online tools which can help you decide whether to go for drawdown or an annuity, including a "},{"_key":"46897f3f3e61","_type":"span","marks":["0b62e6e7209b"],"text":"drawdown calculator"},{"_key":"e3b197cfb70d","_type":"span","marks":[],"text":" and a suite of articles and videos to help you choose."}],"markDefs":[{"_key":"0b62e6e7209b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7bdb7576-434b-46cb-8d53-fb0341cfdb4a","_type":"reference"}}],"style":"normal"},{"_key":"a87dc1dcd512","_type":"block","children":[{"_key":"a3f654fe038f","_type":"span","marks":[],"text":""},{"_key":"15e908d78afb","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"75ac579b22660","_type":"span","marks":["strong"],"text":"Does PensionBee cost anything?"}],"markDefs":[],"style":"h3"},{"_key":"26c1196cd099","_type":"block","children":[{"_key":"fd060ae98a320","_type":"span","marks":[],"text":"PensionBee does not charge anything to transfer existing pensions and does not charge any exit fees if you choose to move your money out of a PensionBee account. Bear in mind, however, that your current pension provider may charge exit fees – these can be as high as 10%, so it’s well worth checking the small print in case you decide it’s not worth the cost of transferring."}],"markDefs":[],"style":"normal"},{"_key":"51ab8b035b9e","_type":"block","children":[{"_key":"2b768794527b0","_type":"span","marks":[],"text":"PensionBee does charge a single annual management fee. This varies depending on which PensionBee plan you opt for and ranges from 0.50% to 0.95%. The fee is halved for the portion of your pot which is over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"998a0462c333","_type":"block","children":[{"_key":"d4c35fa6b4980","_type":"span","marks":[],"text":"There is also a 0.04% transaction fee that is triggered whenever you buy or sell a fund with PensionBee and an early withdrawal fee of £150."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"e7b2e7d78435","_type":"block","children":[{"_key":"0a81a29c7ffd","_type":"span","marks":["strong"],"text":"Visit the PensionBee website for more information"}],"markDefs":[],"style":"normal"}],"_key":"e56cf0904f5c","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"2767ef05-2efc-45ce-b6fc-f454d0e44a3b","_type":"reference"},"text":"VISIT SITE"},{"_key":"04ff1e9ce3ec","_type":"block","children":[{"_key":"e2fd9052d317","_type":"span","marks":[],"text":""},{"_key":"be3728a15220","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"7a3a234e7691","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? "}],"markDefs":[],"style":"normal"},{"_key":"9acb1a0520ad","_type":"block","children":[{"_key":"1b19a24ae829","_type":"span","marks":[],"text":"Discover jargon-free definitions of the most common words and technical terms used in the world of investing."}],"markDefs":[],"style":"normal"}],"_key":"c66b50ea2d40","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","reference":{"_ref":"5d7b7a10-93b8-4e8e-b898-eeb81f7bb976","_type":"reference"},"text":"CLICK HERE"},{"_key":"553899d2484f","_type":"block","children":[{"_key":"59bb65bc3bf7","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7c36037edc9","_type":"block","children":[{"_key":"36c5ad252e77","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"3ce205101f11","_type":"textboxWidget","text":[{"_key":"5897c9c5c6d6","_type":"block","children":[{"_key":"e44f5c9ca72f","_type":"span","marks":[],"text":"Historically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"ac3613f03005","_type":"block","children":[{"_key":"346c3e282169","_type":"span","marks":["em"],"text":"All information in this review correct as at 24/07/2026."}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"f348204331ef","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/pensions/pensionbee/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"1dc6e031178d","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"},{"_key":"74e48f66461f","_ref":"7dd3e1be-f02b-48b5-8652-8ec2c79f3a8f","_type":"reference"},{"_key":"3321f90e2252","_ref":"5699957f-e955-48ab-a5b6-3ffe97f5ca24","_type":"reference"}],"company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"},"emailSignupWidgetButtonText":"Join Boring Money ","emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on PensionBee using our live account. Get total access to our research backed views, information on costs, charges and more.","enableGatedContent":false,"excerpt":[{"_key":"ff1bd53944f6","_type":"block","children":[{"_key":"4800fe3062500","_type":"span","marks":[],"text":"Expert PensionBee review: Discover if this pension consolidation service is right for you. In-depth analysis of fees, investment options, and customer experience. Free access."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"bf5996ccf0f0","_type":"providerHeaderWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"89357195ae24","_type":"block","children":[{"_key":"3d996eead1d5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f76298f18f78","_type":"ourRatingWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"51819c2dfa68","_type":"block","children":[{"_key":"34c6a7a0386a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cfd30b793c3e","_type":"block","children":[{"_key":"027e8af09ff60","_type":"span","marks":[],"text":"Are you struggling to keep track of multiple pension pots from different employers? If you're like many UK workers, you might have several pension accounts scattered across various providers, making it challenging to manage your retirement savings effectively."}],"markDefs":[],"style":"normal"},{"_key":"1707d0ce9668","_type":"block","children":[{"_key":"e792edde395e0","_type":"span","marks":[],"text":"Many investors assume that managing multiple pensions is just part of modern working life, or that consolidating pensions is too complex to tackle. But is this approach costing you both money and peace of mind."}],"markDefs":[],"style":"normal"},{"_key":"459c4a52c72c","_type":"block","children":[{"_key":"8aa2713643b90","_type":"span","marks":[],"text":"Recent customer data shows that over 200,000 UK customers have found a solution to this common challenge - but is it the right choice for your retirement savings?"}],"markDefs":[],"style":"normal"},{"_key":"3973cf8f8557","_type":"block","children":[{"_key":"b3fc9bbf50050","_type":"span","marks":[],"text":"Key Insights from Our Analysis"}],"markDefs":[],"style":"h2"},{"_key":"dbd993eb9224","_type":"block","children":[{"_key":"712c103932140","_type":"span","marks":[],"text":"Our comprehensive review of PensionBee reveals several crucial findings that could impact your pension investment decisions:"}],"markDefs":[],"style":"normal"},{"_key":"c3db0a138117","_type":"textboxWidget","text":[{"_key":"da1a454f1289","_type":"block","children":[{"_key":"8d21f70fcbb9","_type":"span","marks":[],"text":"Award-winning customer service and user experience, with 89% of users recommending the platform based on over 900 customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6b936120dd5","_type":"block","children":[{"_key":"ea25d38a1e6f","_type":"span","marks":[],"text":"A cost-saving opportunity for pots over £100,000, with fees potentially halved"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"69058627b810","_type":"block","children":[{"_key":"32bfb2562028","_type":"span","marks":[],"text":"Eight distinct ready-made investment plans catering to different retirement goals and risk preferences"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"0a8fba6af8e4","_type":"block","children":[{"_key":"b4216e2a708e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"129f3a8a5b0c","_type":"block","children":[{"_key":"122ef385bf750","_type":"span","marks":[],"text":"Understanding PensionBee's Approach"}],"markDefs":[],"style":"h2"},{"_key":"ea71a8ca6ece","_type":"block","children":[{"_key":"797d57a468ce0","_type":"span","marks":[],"text":"Let's start with the fundamentals: PensionBee is an online platform designed to consolidate existing pension pots under one roof. 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Some of the more modern pension providers focus their marketing specifically on the ease of consolidating pensions into their products. If you’re currently in employment, it can often make sense to consolidate into your current workplace scheme and that could mean a bit more effort on your part, but again, worth it if the charges are particularly low and the fund choice is suitable. In some cases, the value or the complexity of your retirement planning may mean it's worth seeking regulated financial advice. This will add another layer of cost, of course, but can be money well spent to avoid making expensive errors, or even to save time on research and administration. 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Enter your location or use the advanced filters to find the perfect match."}],"markDefs":[],"style":"normal"}],"publishedAt":"2025-10-01T09:46:09.024Z","slug":{"_type":"slug","current":"advisers"},"subfolder":{"_ref":"83495465-d1dd-4049-a955-b065009036e6","_type":"reference"},"theme":"Boring Money theme","title":"Find an Adviser | Get Financial Advice From an Expert Near You","id":"-999bca3d-e23b-5af5-b3b5-8c352f4eef97","children":[],"parent":null}}],"style":"normal"},{"_key":"e1438aa8c09a","_type":"block","children":[{"_key":"9a0047707fa9","_type":"span","marks":[],"text":""},{"_key":"921d920ce42d","_type":"mainAnchor","pageAnchor":{"_id":"579886c9-ad46-43ec-9b6c-e6d6df036b78","_type":"anchorCategory","_rev":"ZlQVZPypGr5RwTcpQVVlU7","_createdAt":"2023-10-30T12:39:13Z","_updatedAt":"2023-10-30T12:39:13Z","AnchorName":"stillactive","id":"-2d00590b-53b2-5179-8df2-a66273fd2766","children":[],"parent":null}},{"_key":"517ddd4823b20","_type":"span","marks":[],"text":"Your employer is still paying into a workplace pension"}],"markDefs":[],"style":"h3"},{"_key":"fe938066289b","_type":"block","children":[{"_key":"a9bec215ffa80","_type":"span","marks":[],"text":"If you’ve got a workplace pension which your employer is currently paying into, transferring it means that they will no longer be able to contribute – so you could miss out on extra savings. In this case it may make more sense to leave an active pension pot alone and focus instead on consolidating any others which are no longer being contributed to. "}],"markDefs":[],"style":"normal"},{"_key":"73e88b393153","_type":"block","children":[{"_key":"1c835bb7baff","_type":"span","marks":[],"text":""},{"_key":"43d271dab9fd","_type":"mainAnchor","pageAnchor":{"_id":"ecc00f4b-c96c-4a63-90a1-4ec154c63794","_type":"anchorCategory","_rev":"ZlQVZPypGr5RwTcpQVVlY2","_createdAt":"2023-10-30T12:39:24Z","_updatedAt":"2023-10-30T12:39:24Z","AnchorName":"prosandcons","id":"-ebc32fbf-a4b3-562e-b472-18e366f6abbd","children":[],"parent":null}},{"_key":"ed68d97e31a90","_type":"span","marks":[],"text":"Pros and cons of pension consolidation"}],"markDefs":[],"style":"h2"},{"_key":"21d780e5b341","_type":"block","children":[{"_key":"d66fbcbebfda0","_type":"span","marks":[],"text":"The table below breaks the basic pros and cons of combining your pensions. 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Take a step back and reflect on your financial objectives, your tolerance for financial loss, and the level of risk you are willing to embrace. Assess factors such as anticipated retirement expenses to establish the necessary income for a comfortable retirement. I would also consider using cashflow modelling, which - when employed consistently - can be instrumental in planning for drawdown and especially in adapting to changing circumstances."}],"markDefs":[],"style":"normal"}]},{"_key":"766c968120de","_type":"block","children":[{"_key":"041fe818f593","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a61a7e4811c","_type":"block","children":[{"_key":"3eab07507a5e0","_type":"span","marks":["strong"],"text":"Graham’s top tip for consolidators is to take extra care to avoid common pitfalls:"}],"markDefs":[],"style":"normal"},{"_key":"a200b2761367","_type":"block","children":[{"_key":"16fb56cebe42","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"ca415580862e","_type":"blockQuote","adviserName":"Graham Wells","jobTitle":"Chartered Financial Planner, GroWiser Financial Coaching","photo":{"_type":"mainImage","alt":"Graham Wells on the cons of pension 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Also take care with any exit charges or market value adjustments, which could apply in certain circumstances."}],"markDefs":[],"style":"normal"}]},{"_key":"992280a1ef9b","_type":"block","children":[{"_key":"6ae529e4d7e8","_type":"span","marks":[],"text":""},{"_key":"a1389f12feb1","_type":"mainAnchor","pageAnchor":{"_id":"8c6aac0c-78f0-4e58-9c6f-6c785085600c","_type":"anchorCategory","_rev":"DmQVPf9S34qTO8HINGNYP6","_createdAt":"2023-10-30T12:39:41Z","_updatedAt":"2023-10-30T12:39:41Z","AnchorName":"howtoconsolidateyourpension","id":"-2a2fdf31-f018-5b3c-baa4-9c9e4c8ab7a8","children":[],"parent":null}},{"_key":"46aa2a4def9b0","_type":"span","marks":[],"text":"How to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"9b1e052b5768","_type":"block","children":[{"_key":"10d8f25504ac","_type":"span","marks":[],"text":""},{"_key":"fde8a2fbb611","_type":"mainAnchor","pageAnchor":{"_id":"dddd58c1-683c-4548-aabe-524489ccc86b","_type":"anchorCategory","_rev":"6DzC4mfvNeZIr8JR1UpUOD","_createdAt":"2023-10-30T12:39:52Z","_updatedAt":"2023-10-30T12:39:52Z","AnchorName":"findoldorlostpensions","id":"-d6b317ac-3d82-5baf-80f6-f94ec1d5292a","children":[],"parent":null}},{"_key":"3214711cb7fd0","_type":"span","marks":[],"text":"Find any old or lost pensions"}],"markDefs":[],"style":"h3"},{"_key":"7630d596af5d","_type":"block","children":[{"_key":"4369ca209cfc0","_type":"span","marks":[],"text":"The first step in your pension consolidation journey is rounding up all your pots so you know exactly what you’ve got. If you’re trying to find details of an old employee workplace pension, the most straightforward way to find it is often to contact your former employer directly and ask. 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This takes some shopping around and it’s important not to rush and pick the first deal you come across. Remember to pay close attention to charges – the fees you’ll be paying for your new provider and any exit fees you could incur from transferring from previous ones. "},{"_key":"addd498746ef","_type":"span","marks":["a0ddccad3a8a"],"text":"PensionBee"},{"_key":"7213299eb30c","_type":"span","marks":[],"text":" is a market-leading pension consolidation specialist, for example, but make sure you shop around and find the provider that you feel is right for you. Why not head to our pension compare tables to browse the market?"}],"markDefs":[{"_key":"a0ddccad3a8a","_type":"internalLinkPick","reference":{"_id":"06394842-eb7d-4262-af18-128909850ae9","_type":"information","_rev":"oCp2KJ15s65qjchemcaRNS","_createdAt":"2021-09-27T16:07:19Z","_updatedAt":"2026-07-24T14:50:18Z","_system":{"base":{"id":"06394842-eb7d-4262-af18-128909850ae9","rev":"eemCLxt78eTOywYRUPGuTn"}},"authors":[{"_key":"c645f2592cfd","_type":"personReference","people":{"_ref":"925e17b9-7c7f-43b6-9905-84ebe6bf3907","_type":"reference"}}],"body":[{"_key":"e7074b4f83a2","_type":"providerHeaderWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"76d136c836de","_type":"anchorMenuMobile","title":"menu"},{"_key":"dcf8d06d51f1","_type":"block","children":[{"_key":"59b4cc95437f","_type":"span","marks":[],"text":""},{"_key":"f4a942badedf","_type":"mainAnchor","pageAnchor":{"_ref":"9ea52ac4-3bb8-4fe4-b8ea-2c2a5e9004cf","_type":"reference"}},{"_key":"d55dd7c6c045","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"379414231923","_type":"ourRatingWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"5ebaeed3bc58","_type":"block","children":[{"_key":"096e63f71b6d","_type":"span","marks":[],"text":""},{"_key":"db3a8a784ba8","_type":"mainAnchor","pageAnchor":{"_ref":"e17eb14a-5082-4a31-911c-e8cf2665fa72","_type":"reference"}},{"_key":"905c43393bc2","_type":"span","marks":[],"text":"Investment expert's opinion"}],"markDefs":[],"style":"h2"},{"_key":"def6a9868dd0","_type":"blockQuote","adviserName":"Holly Mackay ","jobTitle":"Founder & CEO of Boring Money","photo":{"_type":"mainImage","alt":"Holly Mackay ","asset":{"_ref":"image-49f2f4be80aef425b39216dcbcd6887d25de2c97-1080x1080-png","_type":"reference"}},"quote":[{"_key":"a3154f4f4374","_type":"block","children":[{"_key":"c735e14965b8","_type":"span","marks":[],"text":"A very clear and helpful app for those who want to consolidate a pension. Easy to use with good service. For smaller pensions, it's good value, but those considering moving over their (probably inferior) workplace pension should think carefully - it will likely be a more expensive option but, on the flip side, will be easier, clearer and much better to use. The better usability will also encourage users to learn more about pensions and get their heads around it at a younger age - always a good thing."}],"markDefs":[],"style":"normal"}]},{"_key":"58d69407584b","_type":"block","children":[{"_key":"67de51c85cff","_type":"span","marks":["em"],"text":"*This is the view of investment expert Holly Mackay based on her first-hand customer experience as a test account holder. This does not constitute regulated advice. You can read more about Holly's investments "},{"_key":"7d037fadb467","_type":"span","marks":["em","edd939c7285f"],"text":"here"},{"_key":"97b4bab3cfa7","_type":"span","marks":["em"],"text":"."}],"markDefs":[{"_key":"edd939c7285f","_type":"internalLinkPick","reference":{"_ref":"6dff6a49-b6ac-46cf-abed-819cb7486e2d","_type":"reference"}}],"style":"small"},{"_key":"2fe79dd34659","_type":"block","children":[{"_key":"a361ce979acc","_type":"span","marks":[],"text":""},{"_key":"1f6bff990436","_type":"mainAnchor","pageAnchor":{"_ref":"522348ce-ba06-4d6e-9a76-bf943875d0cf","_type":"reference"}},{"_key":"21e7519c1bbc","_type":"span","marks":[],"text":"Who is PensionBee?"}],"markDefs":[],"style":"h2"},{"_key":"ab0b587f2e40","_type":"block","children":[{"_key":"d9d384f7a5630","_type":"span","marks":[],"text":"PensionBee is an online pension provider designed to help you combine your existing pension pots all under one roof. It includes pension calculators, retirement forecasting and other tools to help customers plan ahead for their retirement and helps them to make appropriate withdrawals once they reach retirement age. PensionBee’s vision is “a world where everyone can enjoy a happy retirement”, and their mission is to “build pension confidence”. It currently has over 325,000 customers in the UK."}],"markDefs":[],"style":"normal"},{"_key":"d0cbf578e9ff","_type":"block","children":[{"_key":"64d63d5b2b9a","_type":"span","marks":[],"text":""},{"_key":"e70e37a0758f","_type":"mainAnchor","pageAnchor":{"_ref":"cf6f26cf-1a25-40c6-b9bc-7eea852a160b","_type":"reference"}},{"_key":"ddbff944b01f","_type":"span","marks":[],"text":"Who is PensionBee good for?"}],"markDefs":[],"style":"h2"},{"_key":"1a6e5e44ecc3","_type":"block","children":[{"_key":"5518f7db53400","_type":"span","marks":[],"text":"PensionBee is a good choice for people who’ve moved jobs a lot and are looking for a handy service to consolidate their various pots. 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If a fund fails due to fraud or mismanagement, you may be eligible for compensation from the "},{"_key":"440be3a6a03f","_type":"span","marks":["0e73faf745a8"],"text":"Financial Services Compensation Scheme (FSCS)"},{"_key":"f0d79c6b519e","_type":"span","marks":[],"text":". The FSCS protection is capped at £85,000 per person, per fund manager (not per individual fund). However, if your investments lose value due to normal market conditions or your investment choices, this is part of the normal risk of investing and is not covered by FSCS compensation."}],"markDefs":[{"_key":"0e73faf745a8","_type":"internalLinkPick","blank":true,"reference":{"_ref":"34722af1-872b-441c-a563-4d2293999c94","_type":"reference"}}],"style":"normal"},{"_key":"8942b9bfbe58","_type":"block","children":[{"_key":"e9f3063eaf18","_type":"span","marks":[],"text":""},{"_key":"1f927386396a","_type":"mainAnchor","pageAnchor":{"_ref":"565edaa6-ad24-4e23-9720-11938d4dd074","_type":"reference"}},{"_key":"bf0ed29b1a770","_type":"span","marks":["strong"],"text":"Who owns PensionBee?"}],"markDefs":[],"style":"h3"},{"_key":"c46dc58acff3","_type":"block","children":[{"_key":"6dff2045cca30","_type":"span","marks":[],"text":"PensionBee was established by its founders, Romina Savova and Jonathan Lister Parsons, in 2014. Romina set up PensionBee after facing great difficulty when trying to move an old workplace pension and decided to improve the system by getting rid of “archaic systems, excessive fees and complex paperwork”. She maintains the largest share of ownership in PensionBee with over 32%, while Parsons owns around 5%. PensionBee is also publicly listed on the London Stock Exchange, which means individuals can buy and sell shares in the company itself."}],"markDefs":[],"style":"normal"},{"_key":"0d49a7f30d31","_type":"block","children":[{"_key":"3552a2b5eec0","_type":"span","marks":[],"text":""},{"_key":"8a63437f4f54","_type":"mainAnchor","pageAnchor":{"_ref":"1d8aa55f-78d6-4068-b9d3-74c2fd89ce01","_type":"reference"}},{"_key":"5d6f030769470","_type":"span","marks":["strong"],"text":"Can PensionBee find old pensions?"}],"markDefs":[],"style":"h3"},{"_key":"6b909f2d5ef4","_type":"block","children":[{"_key":"32f6b4e61bf40","_type":"span","marks":[],"text":"PensionBee does not offer a pension tracing service to find old or lost pensions. It instead recommends that you directly contact your previous pension provider or workplace to find these details. Individuals who have worked in the public sector may be able to use the "},{"_key":"63b2ca4d1967","_type":"span","marks":["cd543fdbe6f2"],"text":"Department for Work and Pensions (DWP)"},{"_key":"86e6b4083be3","_type":"span","marks":[],"text":" website to find information about them. Alternatively, PensionBee suggests people can use the government’s free "},{"_key":"80e4db1ca6a7","_type":"span","marks":["dea92007762d"],"text":"Pension Tracing Service"},{"_key":"0dbe3691dc84","_type":"span","marks":[],"text":" to search for details of old pension schemes."}],"markDefs":[{"_key":"cd543fdbe6f2","_type":"internalLinkPick","reference":{"_ref":"56568dfc-3d44-4e1d-81a4-767b8556ecc0","_type":"reference"}},{"_key":"dea92007762d","_type":"internalLinkPick","blank":true,"reference":{"_ref":"68b30088-39bf-4f3f-a7a6-b38108b163ed","_type":"reference"}}],"style":"normal"},{"_key":"fae72b55fa83","_type":"block","children":[{"_key":"aa41ddfa7dba","_type":"span","marks":[],"text":""},{"_key":"293635bbfe80","_type":"mainAnchor","pageAnchor":{"_ref":"d03cc619-c9e7-4fb3-875a-23822616f0a5","_type":"reference"}},{"_key":"7b7748aafdf80","_type":"span","marks":["strong"],"text":"Can I withdraw my pension from PensionBee?"}],"markDefs":[],"style":"h3"},{"_key":"8ab151c65f58","_type":"block","children":[{"_key":"1ea0a394605c0","_type":"span","marks":[],"text":"Yes, you can withdraw your pension from PensionBee. Once you reach 55 years of age, you are legally permitted to start making withdrawals from your personal or workplace pensions if you so choose (this will increase to 57 in 2028)."}],"markDefs":[],"style":"normal"},{"_key":"9f9f8c3f3c74","_type":"block","children":[{"_key":"6bccd50c487e","_type":"span","marks":[],"text":"At this point, PensionBee offers various ways for you to take your pension. If you opt to draw down from your pension, PensionBee offers two ways to do this. You can take one-off withdrawals when you need, or schedule Automatic withdrawals and get payments of the same amount paid into your bank account on the same day every month. You can always change the amount and date or cancel and go back to single withdrawals. You can also take it as an annuity (PensionBee is connected with Legal & General to offer this service) or combine the two options, i.e. putting some of your pension into an annuity and drawing down on the rest."}],"markDefs":[],"style":"normal"},{"_key":"2b476287e8aa","_type":"block","children":[{"_key":"6818ed6c8f2f0","_type":"span","marks":[],"text":"Choosing how to access your pension is an extremely important decision. After all, this determines the flow of income into your bank account when you’re retired. PensionBee has numerous online tools which can help you decide whether to go for drawdown or an annuity, including a "},{"_key":"46897f3f3e61","_type":"span","marks":["0b62e6e7209b"],"text":"drawdown calculator"},{"_key":"e3b197cfb70d","_type":"span","marks":[],"text":" and a suite of articles and videos to help you choose."}],"markDefs":[{"_key":"0b62e6e7209b","_type":"internalLinkPick","blank":true,"reference":{"_ref":"7bdb7576-434b-46cb-8d53-fb0341cfdb4a","_type":"reference"}}],"style":"normal"},{"_key":"a87dc1dcd512","_type":"block","children":[{"_key":"a3f654fe038f","_type":"span","marks":[],"text":""},{"_key":"15e908d78afb","_type":"mainAnchor","pageAnchor":{"_ref":"4e980c11-5605-4480-b5cf-9ef6d1970af0","_type":"reference"}},{"_key":"75ac579b22660","_type":"span","marks":["strong"],"text":"Does PensionBee cost anything?"}],"markDefs":[],"style":"h3"},{"_key":"26c1196cd099","_type":"block","children":[{"_key":"fd060ae98a320","_type":"span","marks":[],"text":"PensionBee does not charge anything to transfer existing pensions and does not charge any exit fees if you choose to move your money out of a PensionBee account. Bear in mind, however, that your current pension provider may charge exit fees – these can be as high as 10%, so it’s well worth checking the small print in case you decide it’s not worth the cost of transferring."}],"markDefs":[],"style":"normal"},{"_key":"51ab8b035b9e","_type":"block","children":[{"_key":"2b768794527b0","_type":"span","marks":[],"text":"PensionBee does charge a single annual management fee. This varies depending on which PensionBee plan you opt for and ranges from 0.50% to 0.95%. The fee is halved for the portion of your pot which is over £100,000."}],"markDefs":[],"style":"normal"},{"_key":"998a0462c333","_type":"block","children":[{"_key":"d4c35fa6b4980","_type":"span","marks":[],"text":"There is also a 0.04% transaction fee that is triggered whenever you buy or sell a fund with PensionBee and an early withdrawal fee of £150."}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"e7b2e7d78435","_type":"block","children":[{"_key":"0a81a29c7ffd","_type":"span","marks":["strong"],"text":"Visit the PensionBee website for more information"}],"markDefs":[],"style":"normal"}],"_key":"e56cf0904f5c","_type":"ctaWidget","loggedInOptions":"Display for both logged out and logged in users","openNewTab":true,"partner":true,"reference":{"_ref":"2767ef05-2efc-45ce-b6fc-f454d0e44a3b","_type":"reference"},"text":"VISIT SITE"},{"_key":"04ff1e9ce3ec","_type":"block","children":[{"_key":"e2fd9052d317","_type":"span","marks":[],"text":""},{"_key":"be3728a15220","_type":"mainAnchor","pageAnchor":{"_ref":"08f91d37-f8e6-4d45-bf2f-c8d9fb950e62","_type":"reference"}},{"_key":"7a3a234e7691","_type":"span","marks":[],"text":"Glossary"}],"markDefs":[],"style":"h2"},{"LeftSideText":[{"_key":"fee6100bb3ec","_type":"block","children":[{"_key":"e8efc3d7ce4a","_type":"span","marks":["strong"],"text":"Not 100% sure you understand something we’ve written in this review? 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Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change."}],"markDefs":[],"style":"normal"}],"title":"Information: "},{"_key":"ac3613f03005","_type":"block","children":[{"_key":"346c3e282169","_type":"span","marks":["em"],"text":"All information in this review correct as at 24/07/2026."}],"markDefs":[],"style":"normal"}],"brazeCustomAttributes":[{"_key":"f348204331ef","_type":"brazeCustomAttribute","customAttributeKey":"SIGNUPPAGE_BM_ProviderPage","customAttributeValue":"https://www.boringmoney.co.uk/pensions/pensionbee/"}],"brazeSubscriptionGroupId":"6ff8b394-c40b-4cb3-9396-e41096e561af","brazeSubscriptionRef":null,"categories":[{"_key":"1dc6e031178d","_ref":"2845ba64-de47-4336-abc9-216ccbb41a52","_type":"reference"},{"_key":"74e48f66461f","_ref":"7dd3e1be-f02b-48b5-8652-8ec2c79f3a8f","_type":"reference"},{"_key":"3321f90e2252","_ref":"5699957f-e955-48ab-a5b6-3ffe97f5ca24","_type":"reference"}],"company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"},"emailSignupWidgetButtonText":"Join Boring Money ","emailSignupWidgetParagraphText":"Boring Money conducts rigorous, year-round testing on PensionBee using our live account. Get total access to our research backed views, information on costs, charges and more.","enableGatedContent":false,"excerpt":[{"_key":"ff1bd53944f6","_type":"block","children":[{"_key":"4800fe3062500","_type":"span","marks":[],"text":"Expert PensionBee review: Discover if this pension consolidation service is right for you. In-depth analysis of fees, investment options, and customer experience. Free access."}],"markDefs":[],"style":"normal"}],"gateStyle":"Blue heading with key and text central - faded","gatedContentBody":[{"_key":"bf5996ccf0f0","_type":"providerHeaderWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"89357195ae24","_type":"block","children":[{"_key":"3d996eead1d5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f76298f18f78","_type":"ourRatingWidget","company":{"_ref":"3a46405a-1d41-444a-86be-2991fc2d96f1","_type":"reference"}},{"_key":"51819c2dfa68","_type":"block","children":[{"_key":"34c6a7a0386a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"cfd30b793c3e","_type":"block","children":[{"_key":"027e8af09ff60","_type":"span","marks":[],"text":"Are you struggling to keep track of multiple pension pots from different employers? If you're like many UK workers, you might have several pension accounts scattered across various providers, making it challenging to manage your retirement savings effectively."}],"markDefs":[],"style":"normal"},{"_key":"1707d0ce9668","_type":"block","children":[{"_key":"e792edde395e0","_type":"span","marks":[],"text":"Many investors assume that managing multiple pensions is just part of modern working life, or that consolidating pensions is too complex to tackle. But is this approach costing you both money and peace of mind."}],"markDefs":[],"style":"normal"},{"_key":"459c4a52c72c","_type":"block","children":[{"_key":"8aa2713643b90","_type":"span","marks":[],"text":"Recent customer data shows that over 200,000 UK customers have found a solution to this common challenge - but is it the right choice for your retirement savings?"}],"markDefs":[],"style":"normal"},{"_key":"3973cf8f8557","_type":"block","children":[{"_key":"b3fc9bbf50050","_type":"span","marks":[],"text":"Key Insights from Our Analysis"}],"markDefs":[],"style":"h2"},{"_key":"dbd993eb9224","_type":"block","children":[{"_key":"712c103932140","_type":"span","marks":[],"text":"Our comprehensive review of PensionBee reveals several crucial findings that could impact your pension investment decisions:"}],"markDefs":[],"style":"normal"},{"_key":"c3db0a138117","_type":"textboxWidget","text":[{"_key":"da1a454f1289","_type":"block","children":[{"_key":"8d21f70fcbb9","_type":"span","marks":[],"text":"Award-winning customer service and user experience, with 89% of users recommending the platform based on over 900 customer reviews"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d6b936120dd5","_type":"block","children":[{"_key":"ea25d38a1e6f","_type":"span","marks":[],"text":"A cost-saving opportunity for pots over £100,000, with fees potentially halved"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"69058627b810","_type":"block","children":[{"_key":"32bfb2562028","_type":"span","marks":[],"text":"Eight distinct ready-made investment plans catering to different retirement goals and risk preferences"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}]},{"_key":"0a8fba6af8e4","_type":"block","children":[{"_key":"b4216e2a708e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"129f3a8a5b0c","_type":"block","children":[{"_key":"122ef385bf750","_type":"span","marks":[],"text":"Understanding PensionBee's Approach"}],"markDefs":[],"style":"h2"},{"_key":"ea71a8ca6ece","_type":"block","children":[{"_key":"797d57a468ce0","_type":"span","marks":[],"text":"Let's start with the fundamentals: PensionBee is an online platform designed to consolidate existing pension pots under one roof. While this sounds straightforward, our analysis shows that the platform's effectiveness varies significantly depending on your specific situation."}],"markDefs":[],"style":"normal"},{"_key":"dfda87bc530d","_type":"block","children":[{"_key":"831b7fdb15780","_type":"span","marks":[],"text":"For instance, take their popular Tailored Plan, which automatically adjusts your investments as you age. While this approach seems sensible, there are important considerations about fees and investment strategy that could significantly impact your retirement savings..."}],"markDefs":[],"style":"normal"},{"_key":"05f1e99d0540","_type":"block","children":[{"_key":"d88489d664120","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}],"hideTitle":false,"linkMenu":[{"_key":"d34e0ff541d9","_ref":"a7054624-2251-4942-aff5-ce2d3c9a63ff","_type":"reference"}],"mainImage":{"_type":"mainImage","alt":"Pension Bee logo","asset":{"_ref":"image-8ff83718e14f57e4b7f1155c006f70c8454a3fc4-150x150-svg","_type":"reference"}},"pageBreadcrumb":{"_ref":"2ff72412-ce96-4495-b700-60d9e15073ba","_type":"reference"},"publishedAt":"2026-01-01T11:21:00.000Z","slug":{"_type":"slug","current":"pensionbee"},"subfolder":{"_ref":"e2c56afc-1317-4057-9ff1-55614cb2fc68","_type":"reference"},"subtitle":"Independent review by Boring Money","template":"C-SB","textNextToKey":"Get Full PensionBee Review - Free Access","title":"Is PensionBee good for investing?","widgets":[{"_key":"d2833338fd67","_ref":"3e61a3a8-dd9d-4888-a6ce-2dbb3b4521bc","_type":"reference"},{"_key":"46cf6aac0ffe","_ref":"3fefd2ec-9177-427c-9149-529cd1417d24","_type":"reference"}],"id":"-155a5424-2b03-5ad6-b310-d1eb0d1b9716","children":[],"parent":null}}],"style":"normal"},{"_key":"1832edc1cfd3","_type":"block","children":[{"_key":"8d59467acbcb","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"LeftSideText":[{"_key":"f417c6567bdb","_type":"block","children":[{"_key":"473d56033cf6","_type":"span","marks":["strong"],"text":"Compare pension providers "}],"markDefs":[],"style":"normal"}],"_key":"e2d4d0306a9d","_type":"ctaWidget","openNewTab":false,"reference":{"_id":"eb79261a-d99b-496a-a5a9-432e5319bf7e","_type":"linkCategory","_rev":"ir9xdmjsDvNqVMLz9UU1XF","_createdAt":"2021-05-11T09:06:33Z","_updatedAt":"2026-01-27T12:20:50Z","_system":{"base":{"id":"eb79261a-d99b-496a-a5a9-432e5319bf7e","rev":"DmK61VtPyEhMsfOjcsZMYb"}},"description":"Compare > Pensions\nhttps://www.boringmoney.co.uk/pensions/pensions/","url":"https://www.boringmoney.co.uk/pensions/pensions/","id":"-b4244504-e98b-5117-a7e8-c82a83d4dc92","children":[],"parent":null},"text":"START"},{"_key":"6f8f63d5d9e3","_type":"block","children":[{"_key":"dd18b109287a","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"fed9d4ef0046","_type":"block","children":[{"_key":"6e8358b53838","_type":"span","marks":[],"text":""},{"_key":"f53b984ef7e9","_type":"mainAnchor","pageAnchor":{"_id":"ec0bfba8-0097-4275-ad1c-a82535f3433a","_type":"anchorCategory","_rev":"XnRo9vzZlQx15CHPE1Kgew","_createdAt":"2023-10-30T12:40:12Z","_updatedAt":"2023-10-30T12:40:12Z","AnchorName":"requestatransfer","id":"-b17a509a-7046-5588-8c92-3015736f41de","children":[],"parent":null}},{"_key":"ca3251cc8d4b0","_type":"span","marks":[],"text":"Request a pension transfer"}],"markDefs":[],"style":"h3"},{"_key":"f2b567335c94","_type":"block","children":[{"_key":"452e6bf24f150","_type":"span","marks":[],"text":"Once you’ve settled on a provider, it’s time to start consolidating. Head to their website and apply to ‘transfer’, ‘combine’ or ‘consolidate’ your pension pots. You’ll usually be asked to fill out a form confirming your National Insurance and other personal details as well as information about your pots, including their current provider, value and the policy number. This can all be found in your paperwork – either in your annual update or in the info pack you received when your pot was first set up. It may also have been emailed to you. If in doubt, reach out to your provider for confirmation."}],"markDefs":[],"style":"normal"},{"_key":"e5dad1ef3fcb","_type":"block","children":[{"_key":"3db07f393f66","_type":"span","marks":[],"text":""},{"_key":"318478649ba1","_type":"mainAnchor","pageAnchor":{"_id":"45c13526-e292-4077-8d3e-78252adb08db","_type":"anchorCategory","_rev":"6DzC4mfvNeZIr8JR1UpVQK","_createdAt":"2023-10-30T12:40:29Z","_updatedAt":"2023-10-30T12:40:29Z","AnchorName":"stayuptodate","id":"-cf412ea8-8c6c-52dd-bce3-a2748f80ef13","children":[],"parent":null}},{"_key":"dfeafaaa55ff0","_type":"span","marks":[],"text":"Stay up to date"}],"markDefs":[],"style":"h3"},{"_key":"4b0f6178706d","_type":"block","children":[{"_key":"55461d0c0a690","_type":"span","marks":[],"text":"Congratulations – you've got the ball rolling! Now you’re waiting for the consolidation process to be completed. Many providers allow you to be notified on the progress of your application by email or SMS (text). You may need to select this as an additional option during the application process. Once the transfer is complete, you should receive confirmation in writing with a letter and often a welcome pack outlining the terms of your new pension policy. 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According to an April 2023 report by fintech firm Origo, the average pension consolidation takes around 14 working days. However, unlike switching bank accounts – where most providers give a 7-day guarantee – there is no guarantee when it comes to combining pensions and the time it takes can differ on a case-by-case basis. 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Boring Money’s "},{"_key":"eb583e0947fe","_type":"span","marks":["em"],"text":"Advice Report 2023: Consolidation and change"},{"_key":"8d289a2c998b","_type":"span","marks":[],"text":" found 43% of non-retired people over 55 – so relatively close to retirement age – don't think they’re putting enough in their pension. This rises to 55% of those who are younger than 45. Fortunately, there are many ways you can boost your savings to ensure you have enough for the retirement you want. 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Many people have lost or forgotten about pensions from previous jobs, or you may just have quite a few that you’re aware of but find it hard to keep track of them all separately."}],"markDefs":[],"style":"normal"},{"_key":"721eb56b9cf0","_type":"block","children":[{"_key":"8815ab2c4133","_type":"span","marks":[],"text":"There are millions of people in the UK who are juggling multiple pensions. 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"},"text":[{"_key":"33f24ca61506","_type":"block","children":[{"_key":"822ab68fa2340","_type":"span","marks":["strong"],"text":"💡 44% of 55 to 64-year-olds and 27% of 25 to 34-year-olds hold two or more pensions."}],"markDefs":[],"style":"normal"}]},{"_key":"5d9133e4f51a","_type":"block","children":[{"_key":"5c36a023a0b4","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"74924488e29a","_type":"block","children":[{"_key":"8460b7c7cfe0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"19dcae1fe120","_type":"block","children":[{"_key":"64123dbc2a5e","_type":"span","marks":[],"text":"This is where pension consolidation can help you to have everything under one roof – so you have less paperwork to wade through when you want to check how your pot (or ‘fund’) is doing. However, despite the number of Brits with multiple pension pots, our research shows that only 3 in 10 pension holders have consolidated to date. So if you’re one of the 7 in 10 who haven’t, how do you decide if you should consolidate and how do you do it?"}],"markDefs":[],"style":"normal"},{"_key":"c8ab4ff07b30","_type":"block","children":[{"_key":"41abeb876dc5","_type":"span","marks":[],"text":""},{"_key":"c1252d18d434","_type":"mainAnchor","pageAnchor":{"_id":"0acc7d98-9891-4358-b260-48f32383d8d6","_type":"anchorCategory","_rev":"6DzC4mfvNeZIr8JR1UpRpD","_createdAt":"2023-10-30T12:37:26Z","_updatedAt":"2023-10-30T12:37:26Z","AnchorName":"shouldiconsolidatemypensions","id":"-ea3dc6c7-65dd-50fb-9099-bf621a46598b","children":[],"parent":null}},{"_key":"cc7ca9bfbf23","_type":"span","marks":[],"text":"Reasons to consolidate your pensions"}],"markDefs":[],"style":"h2"},{"_key":"7a4b35ba9cae","_type":"block","children":[{"_key":"06316117846e","_type":"span","marks":[],"text":"Is pension consolidation the right move for you? 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The fees you pay can usually be broken down into the annual percentage charge for individual investment funds and also a platform charge for the firm that manages your pension. Sometimes, these two fees are combined into an ‘all inclusive’ fee. It’s important to understand what you’re paying on each of your existing pension plans, before making a comparison with the plan you’d like to keep. This may all take a bit of research, but it can be well worth the effort. There’s a huge bandwidth of charges between different pension funds and providers, so a saving of just 0.5% per year can make a big difference in the long term!"}],"markDefs":[],"style":"normal"}]},{"_key":"97a1797d8a20","_type":"block","children":[{"_key":"beb20f9530a1","_type":"span","marks":[],"text":""},{"_key":"4c5cee4c4158","_type":"mainAnchor","pageAnchor":{"_id":"5499cca2-901b-424b-8e02-c3364fb71e68","_type":"anchorCategory","_rev":"5if6OpiB3iy3C5t2bxJqKw","_createdAt":"2023-10-30T12:37:58Z","_updatedAt":"2023-10-30T12:37:58Z","AnchorName":"bettergrowth","id":"-aa85c66c-719b-5eaf-933b-b7f8586cce83","children":[],"parent":null}},{"_key":"797c77718949","_type":"span","marks":[],"text":"May get better growth"}],"markDefs":[],"style":"h3"},{"_key":"284d5dd5502e","_type":"block","children":[{"_key":"0165bfe9f76b","_type":"span","marks":[],"text":"Past performance is never a guarantee of future success. 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Look for consistency over time; If you have one or more funds which are persistently underperforming, you may find that you can get better growth by transferring to a different fund with a different provider."}],"markDefs":[],"style":"normal"},{"_key":"2624aaf3ce7c","_type":"block","children":[{"_key":"3cf383d9be5e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d08b2cd01e66","_type":"blockQuote","adviserName":"Matthew Spence","jobTitle":"Director, Spence Financial","photo":{"_type":"mainImage","alt":"Matthew Spence on why pension consolidation can help improve 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Initially, you might want to assess your investment risk profile and your tolerance for financial loss, considering the time left until your envisioned retirement date. If your selected retirement date is just around the corner and you are not comfortable with short-term losses, consolidating your pension is unlikely to offer better growth without exposing you to excessive risk. Alternatively, if your pension investment horizon extends over many years, and you are open to higher levels of risk, consolidation could potentially lead to better growth, although of course this cannot be guaranteed."}],"markDefs":[],"style":"normal"}]},{"_key":"f9497cf9a440","_type":"block","children":[{"_key":"327a4d50d5b6","_type":"span","marks":[],"text":""},{"_key":"1bd82311bfe7","_type":"mainAnchor","pageAnchor":{"_id":"ac35424e-a19a-440b-b829-8ff102aa6177","_type":"anchorCategory","_rev":"DmQVPf9S34qTO8HINGNX0W","_createdAt":"2023-10-30T12:38:08Z","_updatedAt":"2023-10-30T12:38:08Z","AnchorName":"quickandeasy","id":"-00cd75a3-883b-54c1-b498-747ec2ea5a51","children":[],"parent":null}},{"_key":"7c4ebb598ea8","_type":"span","marks":[],"text":"Can be quick and easy"}],"markDefs":[],"style":"h3"},{"_key":"6cd19f7cf558","_type":"block","children":[{"_key":"9f3b19b8e824","_type":"span","marks":[],"text":"Pension consolidation is getting easier and easier and there are now several providers on the market which make it quick and simple to do. 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