Prepare for your future with our Stakeholder Pension. A personal pension that meets the stakeholder criteria set out by the Government.

  • Increase, decrease, stop or start payments at any time
  • Pay in from just £16, with HMRC normally paying £4 basic rate tax relief on top
  • Low charge investment choices
  • Straightforward investment choices
    We’ve put together a carefully selected range of investment funds and lifestyle profiles.
  • Flexibility
    Increase payments, take a payment break or move into different funds whenever you want. If you start a new job you can carry on paying into your plan, or transfer it to your new employer's scheme. We don’t charge for this.
  • Low charges
    Only 1% of the value of the funds you’re invested in each year. The government sets a maximum charge that can apply to Stakeholder pensions. It’s currently 1.5% each year for the first 10 years and then 1% each year after that. The government could change these limits in the future.
  • Charges are regularly reviewed and may change in the future.
  • Manage your account online
    Check in on your Stakeholder Pension as often as you like, using your laptop, tablet or mobile. View your latest statements, manage regular payments and more.

Manage your account online


As with any investment the value of your fund can go down as well as up and may be worth less than what was paid in.

Compare pensions – which of our simplest pensions is right for you?

 Stakeholder PensionEasy option Personal Pension
Choosing where to invest You can choose from a range of around 30 investment funds and 2 lifestyle profiles. It's easy - you just choose the MyFolio Managed Strategic Lifestyle Profile that's right for you based on your chosen risk level.
Risk You need to make sure you regularly review your investments to check they continue to match how much risk you’re prepared and able to take. Our experts will make sure that the funds you're invested in don't take any more or any less risk than they should. You need to regularly review your risk level to make sure it continues to match the profile you're in.
Minimum payments £20 instalment – you pay £16. HMRC pays £4 basic rate tax relief.

£20 lump sum – you pay £16. HMRC pays £4 basic rate tax relief.
£100 a month – you pay £80. HMRC pays £20 basic rate tax relief.

£250 lump sum – you pay £200. HMRC pays £50 basic rate tax relief.

Laws and tax rules may change in the future. The information here is based on our understanding in April 2020. Your personal circumstances also have an impact on tax treatment.

Call us today to apply or transfer

Transferring your pension to our Stakeholder Pension is easy. Call us today for information to help you decide if transferring is the right option for you. Remember though that transferring may not be suitable for everyone.

Call us on 0345 272 8810

Call charges will vary.

Things to consider:

  • You may be giving up valuable benefits in your other pension scheme.
  • There is no guarantee that what you’ll get back from your new plan will be higher.
  • Compare the charges and investment choices available on your existing pension and ours.

You should seek financial advice if you’re unsure about transferring. Your adviser will probably charge for this advice.