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Clear, Honest Personal Pensions
No jargon or complexity, just clear fees and investment styles to suit your needs. Plus, an instant 25% government top up. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
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Plan your Financial Future
Wealthify’s Personal Pension is a great way to save for your long term goals. Use it to supplement your workplace pension, or transfer your existing pots to us to help your money work harder.
Use our Pension Calculator to see what your pot could be worth – just choose how much to contribute and pick an investment style that suits you. You can even choose an ethical pension if it better fits your values.
Instant 25% Top Up
Effortlessly grow your pension with an instant 25% tax relief top up - meaning every £800 invested in a pension is worth £1000 for a basic rate tax payer.
We automatically calculate the top up and add it to your investment, so there’s no need to chase HMRC!
Try it out
WHY CHOOSE WEALTHIFY?
- One Low Fee
- Flexible
- Safe & Secure
- Here for You
Complete transparency
Some providers have a low management fee, but hide extra charges which can impact your returns over time. At Wealthify, we charge a flat fee to manage your Pension, so you always know where you stand.
About our fees
You’re in control
A Pension that fits in with you - choose to set up a regular payment, or top up whenever you can. Change or pause your payments anytime online or in our app.
Get Started
In safe hands
Up to the first £85,000 of your money can be protected by the Financial Services Compensation Scheme (FSCS) and we’re authorised and regulated by the Financial Conduct Authority (FCA).
How Wealthify works
Here when you need us
From sign up to draw down, we offer no paperwork, no post, just a simple, seamless online pension. If you do need help, our UK based customer care team are available on phone, live chat or email.
Contact usPension Calculator
Want a better idea of what your pension could pay? Our calculator can give you an idea of how much you might want to save for your retirement.
Let us know how much is in your pension, when you're planning to retire, and how much you regularly contribute. The calculator will apply our projected investment performance and give you an idea of how much your pension might pay.
Calculate your savings pot nowFree Pension Guide
Not all personal pensions are the same, so we’ve created this useful guide to give you information on:
- What a Self Invested Personal Pension (SIPP) is
- How the 25% tax relief top up works
- How a SIPP differs from a workplace pension
- Reasons for consolidating pensions
This guide doesn't offer personal advice, speak to a financial adviser if you're unsure about whether investing is right for you.
Transfer in 3 easy steps
Tell us about your pensions
Tell us a few details about your pensions, including a reference number and recent value.
We manage your transfer
We’ll talk to your provider and start the transfer. This usually takes 2-6 weeks.
We invest and optimise
We'll monitor your Plan 365 days a year, adjusting it to stay on track.
Simulated Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 28th June 2024, after all fees have been taken (based on 0.60% Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Original
Ethical
The above graph illustrates past performance for Original Plans only. Even though the past performance data shown is simulated, it represents real transactions we've carried out for actual customer Plans across our five Investment Styles. Please remember that simulated past performance is not a reliable indicator of future performance.
FIVE-YEAR PERFORMANCE
The table below shows our actual past five-year performance for each of our Original investment styles.
| Investment Style | 31/12/2018 - 31/12/2019 | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 30/06/2023 - 30/06/2024 |
|---|---|---|---|---|---|---|
| Cautious | 6.43% | 2.70% | 0.48% | -11.19% | 4.65% | 4.60% |
| Tentative | 9.35% | 3.88% | 3.74% | -10.82% | 6.21% | 6.70% |
| Confident | 11.93% | 4.87% | 6.70% | -10.33% | 7.76% | 8.90% |
| Ambitious | 14.35% | 5.11% | 9.72% | -9.39% | 9.46% | 11.40% |
| Adventurous | 17.09% | 5.06% | 12.82% | -9.14% | 11.35% | 14.40% |
Simulated Past Performance
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 28th February 2018 and 28th June 2024, after all fees have been taken (based on 0.60% Wealthify management fee). These figures apply to plans of any value.
Original
Ethical
The above graph illustrates past performance for Ethical Plans only. Even though the past performance data shown is simulated, it represents real transactions we've carried out for actual customer Plans across our five Investment Styles. Please remember that simulated past performance is not a reliable indicator of future performance.
FIVE-YEAR PERFORMANCE
The table below shows our actual past five-year performance for each of our Ethical investment styles.
| Investment Style | 31/12/2018 - 31/12/2019 | 31/12/2019 - 31/12/2020 | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 30/06/2023 - 30/06/2024 |
|---|---|---|---|---|---|---|
| Cautious | 7.90% | 4.14% | 0.73% | -14.93% | 4.80% | 5.20% |
| Tentative | 9.74% | 6.45% | 4.11% | -15.65% | 6.85% | 7.10% |
| Confident | 11.82% | 9.04% | 7.63% | -16.51% | 8.81% | 8.80% |
| Ambitious | 14.13% | 11.16% | 11.18% | -17.42% | 11.08% | 10.80% |
| Adventurous | 16.74% | 13.43% | 14.65% | -18.72% | 13.63% | 12.90% |
Wealthify Customer Reviews
Learn more about our Pension
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Is my money locked in?
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No, not at all. Although you should always approach investing as a long-term way to grow your money, you can withdraw your money from Wealthify at any time, if you need to and there’s no charge or penalty for withdrawing. It will take up to 10 working days for us to release the money from your investments – it could be quicker, but we can’t promise.
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Is my money safe?
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Yes, your investments will be held with Winterflood Securities Limited, who act as custodian for our customers’ money. They are a global financial services provider, regulated by the Financial Conduct Authority (FCA) and part of Close Brothers Group, who have been trading for more than 130 years. They hold your cash and investments separately from their own (ring fenced) in accordance with the FCA’s client asset rules, so even if Wealthify went into administration, our creditors would not have a claim to your investments.
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Can I invest monthly?
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Of course! You can make regular payments from just £1 per month by setting up a standing order, or make manual payments as many times as you like each month, whenever you can afford it.
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What is ethical investing?
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Ethical Investing aims to exclude profiting from activities that are considered harmful to society and the environment and invest in organisations companies and projects that are committed to operating in a way that is sustainable for the future.
This is typically done by filtering out harmful activities (negative screening) and proactively seeking to invest in companies that are committed to making a positive impact through their environmental, social and governance (ESG) practices (positive screening).
Negative screening: most ethical funds will screen the so-called ‘sin stocks’ such as tobacco, gambling, weapons and adult entertainment. Other issues screened might include animal testing, intensive farming, nuclear power, genetic engineering, deforestation, and poor human or labour rights. The activities screened and the screening criteria used vary between fund providers.
Positive screening: aims to identify those companies demonstrating or showing commitment to achieve the highest standards of practise in the areas of environmental impact, social justice and corporate ethics. Only organisations that score highly across these three areas will be eligible to receive investors’ money.
Wealthify’s ethical plans combine negative screening with proactive selection based on ESG scores as well as consideration of other factors that contribute to a commitment to future sustainability.
Ethical investing is one of a number of terms used to identify sustainable approaches to investing. Others include: Environmental, Social and Governance (ESG), Sustainable investing and Impact investing. Find out more about these below.
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