A pension is a long-term investment. Its value can go down as well as up and could be worth less than was paid in.
Transferring other pension plans will not be right for everyone, you’ll need to consider all the facts and decide if it’s right for you. You could lose money by giving up any guarantees or benefits you might get from your other pension plans. There’s no guarantee that you’ll get more as a result of transferring.
Have everything in one place and feel more in control of your future
With an Active Money Personal Pension (AMPP), you can transfer your other pension plans in and manage all your pension savings in one place. This could make it easier and cheaper to prepare for retirement.
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One simple pension plan
Bringing your pension plans together could make it easier and cheaper to prepare for retirement.
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Easy online management
See where you're invested online and through the app. Start, stop or change your payments at anytime.
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Flexible investment options
Our ready-made options make investing easy, now and in the future. Or you can pick your own.
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Easy access to your money
When you need it from age 55 (57 from 6 April 2028), we'll aim to make the payment to you within 5 working days.
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The decision to transfer is yours. If you're unsure about transferring you should seek financial advice. You can also access free impartial guidance from MoneyHelper.
Our pension transfer guide has more information to help you decide if a transfer is right for you.
Choose your investment option
- There are two ways to invest with us, either we can do it for you through a ready-made option, the Sustainable Multi Asset Universal Strategic Lifestyle Profile, or if you would prefer you can choose your own investments from a wide range of investment option.
- You can choose your own investments from a choice of over 300 investment options, if you have the knowledge and confidence to do so and the time to review your investments regularly - See full fund range.
- You can switch your investments at any time if your plans change. It's a good idea to regularly review your investment choices to make sure they remain on track to meet your goals.
Great reasons to choose Standard Life
Creating a brighter future
We've helped millions of customers prepare for the future they want in retirement for almost 200 years
Sustainability is at the heart of our business
Giving you the option to invest in a responsible and sustainable way
UK based call centres
Our experts can talk you through your options
We're one of the highest-rated personal pensions on the market
Millions of customers trust us with their investments. Our Active Money Personal Pension has been awarded 5 stars by the experts at independent research company Defaqto – the highest rating in the industry.
Frequently asked questions
Learn more about combining your pensions
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How to find old or lost pensions
Lost track of your old pension plans? Find out how to find them.
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Should I bring my pension plans together?
Here's how to decide if combining your pensions is right for you.