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ACCOUNTS

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ISAS

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Transfer your investments to HLHL Ready-Made ISAISA investment ideas


PENSIONS

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Transfer your pension to HLSee if you're on track for retirementHL Ready-Made
Pension PlanPension investment ideas


SAVINGS ACCOUNTS

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JUNIOR ACCOUNTS

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HL Ready-Made Pension PlanGifting money to a child or grandchildJunior ISA
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SAVINGS

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SAVINGS ACCOUNTS

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Savings calculatorShould I save or invest?


FINANCIAL ADVICE

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INVESTING

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SHARES AND FUNDS

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Unsure where to invest?Explore our HL fund rangeExplore the Wealth
ShortlistTransfer shares to an ISA/SIPP


INVESTMENT IDEAS

 * HL Ready-Made Investments
 * HL Ready-Made Pension Plan
 * HL Portfolio Building Block Funds
 * Wealth Shortlist

Unsure where to invest?Explore our HL fund range


INVESTMENT ACCOUNTS

 * Stocks and Shares ISA
 * Lifetime ISA
 * Fund and Share Account
 * SIPP (Self-Invested Personal Pension)
 * Junior Stocks and Shares ISA
 * Junior SIPP (Child's Pension)
 * Foreign Currency Service
 * Compare accounts

Transfer your investments to HLHL Ready-Made InvestmentsChoose the right account
for your goals


INVESTMENT RESEARCH

 * Share research
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 * Market and company reports from Sharecast

Explore the Wealth ShortlistLearn about responsible investing
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 * Stock market reports
 * Press round-up
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GUIDES AND TOOLS

 * Investing basics
 * How to build an investment portfolio
 * Reviewing your investments
 * Investing glossary
 * Tools and calculators

5 steps to healthy financesShould I save or invest?Learn about responsible
investing


FINANCIAL ADVICE

 * Investment advice
 * View all advice services
 * Cost of financial advice

Do I need financial advice?Book a free initial consultation
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INVESTING

 * Investment accounts
 * Investment ideas
 * Shares and funds
 * Investment research
 * Guides and tools
 * Financial advice
 * Unsure where to invest?


INVESTMENT ACCOUNTS

 * Stocks and Shares ISA
 * Lifetime ISA
 * Fund and Share Account
 * SIPP (Self-Invested Personal Pension)
 * Junior Stocks and Shares ISA
 * Junior SIPP (Child's Pension)
 * Foreign Currency Service
 * Compare accounts

Transfer your investments to HLHL Ready-Made InvestmentsChoose the right account
for your goals


INVESTMENT IDEAS

 * HL Ready-Made Investments
 * HL Ready-Made Pension Plan
 * HL Portfolio Building Block Funds
 * Wealth Shortlist

Unsure where to invest?Explore our HL fund range


SHARES AND FUNDS

 * Shares
 * Funds
 * ETFs
 * Investment Trusts
 * Gilts and bonds
 * IPOs and new issues
 * Stock market data

Unsure where to invest?Explore our HL fund rangeExplore the Wealth
ShortlistTransfer shares to an ISA/SIPP


INVESTMENT RESEARCH

 * Share research
 * Fund research
 * ETF research
 * Investment trust research
 * Market and company reports from Sharecast

Explore the Wealth ShortlistLearn about responsible investing
Back
 * Stock market reports
 * Press round-up
 * Company news
 * Director dealings
 * Sector reviews
 * Press tips
 * Broker tips


GUIDES AND TOOLS

 * Investing basics
 * How to build an investment portfolio
 * Reviewing your investments
 * Investing glossary
 * Tools and calculators

5 steps to healthy financesShould I save or invest?Learn about responsible
investing


FINANCIAL ADVICE

 * Investment advice
 * View all advice services
 * Cost of financial advice

Do I need financial advice?Book a free initial consultation
Close


RETIREMENT

 * Save for retirement
 * Approaching retirement
 * Accessing your pension
 * In retirement
 * Financial advice
 * View all Retirement


SAVE FOR RETIREMENT

 * SIPP (Self-Invested Personal Pension)
 * HL Ready-Made Pension Plan
 * Pension investment ideas
 * Junior SIPP (Child's Pension)
 * Lifetime ISA
 * Guides and tools
 * Self-employed pensions
 * View all Save for retirement

Transfer your pension to HLSee if you're on track for retirementCompare
retirement accounts


APPROACHING RETIREMENT

 * When can I retire?
 * Planning for retirement
 * Consolidate pensions
 * Speak to a financial adviser
 * View all Approaching retirement

Calculate what you’ll need in retirement


ACCESSING YOUR PENSION

 * Options to access your pension
 * Pension drawdown
 * Annuities
 * Lump Sums (UFPLS)
 * The State Pension

Ask us your pension questionsArrange a free call with Pension Wise


IN RETIREMENT

 * Guides & tools
 * Investment ideas for retirement income

How much cash to hold in retirement


FINANCIAL ADVICE

 * Financial planning
 * Retirement advice
 * Inheritance tax advice
 * Cost of financial advice

Do I need financial advice?Book a free initial consultation
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SEARCH FOR SHARES, FUNDS OR ARTICLES

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INVESTMENTS CREATED BY OUR EXPERTS

Unsure where to invest?

READY-MADE INVESTMENTS


Our all-in-one investment options, just choose a goal and risk level.

READY-MADE PENSION PLAN


Not sure where to invest your pension? Our plan could help.
Unsure where to invest?


OPEN AN ACCOUNT

Compare accounts

ACTIVE SAVINGS ACCOUNT


Great savings rates from multiple banks

STOCKS AND SHARES ISA


Invest up to £20k every year completely free from UK tax

SIPP (SELF-INVESTED PERSONAL PENSION)


Invest for your retirement with a personal pension.

LIFETIME ISA


Invest for your first home or later life

FUND AND SHARE ACCOUNT


Invest without limits with a low-cost trading account

CASH ISA


Save tax-free with great rates from our partner banks

JUNIOR SIPP (CHILD'S PENSION)


Invest up to £3,600 a year to build a retirement pot for your child.

JUNIOR STOCKS AND SHARES ISA


Invest up to £9,000 a year for your child’s future, free from UK tax.


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 * Home
 * Pensions

In this section

Pensions

 * SIPP
 * Pension contributions
 * Pension calculator
 * Pension comparison tool
 * Tax relief
 * Transfer a pension
 * Junior SIPP
 * Pension scams
 * Guides & tools


PENSIONS

Add money to your SIPP Transfer a pension

Important information - A pension is meant for your retirement, so you can’t
normally access your money until you’re 55 (57 from 2028). Pension and tax rules
can change and tax relief depends on your circumstances. This information is not
personal advice. Investments go down in value as well as up so you could get
back less than you invest. If you’re not sure which investments are right for
you, we can put you in touch with one of our financial advisers.


WHAT IS A PENSION?

A pension is a long-term investment plan that you (and often your employer) pay
into for later life.

It's there to help provide you with an income to live off when you retire or
decide to work less. It also offers favourable tax treatment compared to some
other ways of saving.

Learn more about pension basics


KNOW YOUR PENSION

Your pension is there to help you make the most of your retirement. The better
you know your pension, the more confident you'll be that you're saving enough
for your future.

Our checklist can help you with ways to be on top of your pension, it's full of
easy-to-use online tools and calculators.

See the checklist

See the checklist


THE HL SELF-INVESTED PERSONAL PENSION (SIPP)

Take control of your retirement savings with the award-winning HL SIPP.

 * Peace of mind
   We're a financially secure FTSE-listed company, trusted by over 1.8 million
   clients. With over 40 years experience in empowering people to save and
   invest for a brighter future. And have won over 200 awards, including Best
   Buy Pension 2024 by Boring Money Awards.

 * Great value for money
   The latest news, research and insight from our team of experts.

 * Invest how and where you want to
   Pick your own investments, select our Ready-Made Pension Plan, or pay a
   financial adviser to choose investments for you.

 * Flexibility at retirement
   With the HL SIPP, you're free to choose from all the main retirement options.

Find out more about the HL SIPP

How much do I need to retire?

When you're saving for retirement, you face some of life's biggest questions.
You need reliable answers. We're here to help.

Get answers you can trust


COMBINING YOUR PENSIONS

It’s important that you’re in control of your pension savings - particularly as
you approach retirement. Depending on your needs and the kind of pension you
have, it could make sense to consolidate and transfer to one easy-to-manage
account, like your HL SIPP.

It’s important that you’re in control of your pension savings - particularly as
you approach retirement. Depending on your needs and the kind of pension you
have, it could make sense to consolidate and transfer to one easy-to-manage
account.

Learn more about transferring

More about the HL SIPP


HOW MUCH SHOULD I PAY INTO MY PENSION?

If you're a UK resident under 75, you can usually pay in as much as you earn, up
to £60,000 a year, and get tax relief. You may be able to pay in more than
£60,000 if you have unused allowance from previous years.

If you don't have any earnings, you can still pay in up to £3,600 a year and
receive tax relief.

Remember, tax rules change and benefits depend on individual circumstances.

More about how much you should pay in


IS YOUR PENSION ON TRACK?

Use our pension calculator to discover how much your pension might pay.

Try the calculator


PENSION ESSENTIALS


TYPES OF PENSION

There are a number of different pension types in the UK. One way to categorise
them is into private pensions, workplace pensions, and the State Pension. The
type of pension scheme you have or are eligible for, will depend on your
situation.

Learn more


HOW TO FIND OLD PENSIONS

If you’ve moved jobs or changed address, you might have lost pension pots
waiting to be found. Find out how to track yours down.

Learn more


PENSIONS FOR CHILDREN

If you’re looking for a way to help your children or grandchildren financially,
paying into a pension can get them off to a great start.

Discover Junior SIPPs




TAKING MONEY FROM YOUR PENSION

Money in your pension is locked away until you're 55 (57 from 2028). But any
time after that, you can start receiving an income, even if you're still
working. Explore the main options for accessing a pension, which you can mix and
match to achieve a balance of secure and flexible income to suit your lifestyle.

Learn about your retirement options


HL WORKPLACE PENSION


ADDED VALUE FOR YOUR EMPLOYEES

Perfect for employers who want to offer modern and competitive workplace
benefits, plus free financial education.

Discover the workplace Pension




GUIDANCE, HELP AND ADVICE


GUIDANCE FROM PENSION WISE

Pension Wise is a free, impartial government service for anyone aged 50 or over,
with a UK based personal or workplace pension.

It can help you understand what type of pension you have, how you can access
your savings and the potential tax implications of each option. But it isn’t
financial advice.

More about Pension Wise


HAVE A QUESTION?

Our UK-based helpdesk are here for you six days a week. Our friendly and
knowledgeable team are ready to answer your questions no matter how big or
small.

Call us on 0117 980 9926

Opening hours
Monday - Friday: 8am - 5pm
Saturday: 9.30am - 12.30pm

Alternatively, you can email us.


RETIREMENT ADVICE FROM HL

Retirement is a time when you may feel unsure about what to do with your money
and need help to make decisions. Our financial advisers can work with you to:

 * Plan your personal budget and retirement income strategy
 * Make sure your investments match your goals
 * Give pension advice, including when and how to take them

Discover retirement advice


RETIREMENT ADVICE FROM HL

Retirement is a time when you may feel unsure about what to do with your money
and need help to make decisions. Our financial advisers can work with you to:

 * Plan your personal budget and retirement income strategy
 * Make sure your investments match your goals
 * Give pension advice, including when and how to take them

Discover retirement advice



Our website offers information about investing and saving, but not personal
advice. If you're not sure which investments are right for you, please request
advice, for example from our financial advisers. If you decide to invest, read
our important investment notes first and remember that investments can go up and
down in value, so you could get back less than you put in.

Important information

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GOT A QUESTION FOR US?

We're here to help - call our helpdesk or send us a message. Contact us

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© Copyright 2024 Hargreaves Lansdown. All rights reserved.

Hargreaves Lansdown is a trading name of Hargreaves Lansdown Asset Management
Limited, a company registered in England and Wales with company number 01896481
and authorised and regulated by the Financial Conduct Authority. Information
about us can be found on the Financial Services Register (register number
115248).

Registered Office: 1 College Square South, Anchor Road, Bristol, BS1 5HL.

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