🏠 / Best Ready-Made Pensions

Best Ready-Made Pensions

Compare ready-made pensions managed for you — let the experts handle the investing while you focus on everything else.

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  • Hargreaves Lansdown – Invest by 31 July 2026 — no charges for up to a year. New clients only. T&Cs apply.

    hargreaves lansdown pension logo
    Minimum Initial Investment
    £25/month or a one-off payment of £100+
    Fees
    0.45% total (0.15% account + 0.30% fund)
    Investment Approach
    Expertly managed by HL, automatically reducing risk as you approach retirement.
    HL’s Ready-Made Pension takes the hard work out of retirement saving. Experts manage your investments, growing your pot when you’re younger and automatically shifting to safer ground as retirement gets closer. All for just 0.45% a year. Capital at risk. T&Cs apply.

  • Interactive Investor

    ii
    Minimum Initial Investment
    From £1
    Fees
    From £5.99/month + 0.14%–0.22% depending on portfolio chosen
    Investment Approach
    Expert-managed portfolios across 5 risk levels. Automatically monitored and rebalanced by Aberdeen.
    ii’s Personal Pension Managed Portfolio is managed by experts, with your investments automatically monitored and rebalanced to your risk level. Choose from two styles: Index (low-cost, diversified) or Sustainable (ESG-focused). Designed for long-term growth — you need to be at least 5 years from retirement.

Capital at risk. The value of your pension can go up as well as down and you may get back less than you put in. You cannot usually access your pension until age 55 (rising to 57 in 2028). This is not personalised financial advice.