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.

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. 

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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

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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