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. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK will also have an impact on tax treatment.

The Standard Life Personal Pension

With our Active Money Personal Pension (AMPP) you can save your money tax-efficiently, and invest your money in a way that suits you. Whether you are an experienced investor or are new to it, we have an investment option to suit you.

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Our AMPP has been awarded a top rating of 5 stars by the independent research company Defaqto.

Why open a Personal Pension with Standard Life?

  • You can start an AMPP with us from just £80 a month or with an £800 lump sum

    Also you can start, stop or change payments to your pension plan online at any time. This gives you more flexibility and the freedom to pay as much as you want when you want.

  • Money saved into your pension plan will also be topped up by HM Revenue and Customs (HMRC) thanks to tax relief

    So if you pay £80, this will be topped up to £100. If you’re a higher or additional rate taxpayer, you can contact HMRC for the extra tax relief.

  • Two ways you can invest your money through our AMPP

    You can let experts manage your investments for you with our Help me do it option, or pick your own funds with our Let me do it option. This means that whether you're new to investing and would rather someone managed your investments for you, or if you like to manage your own investments we have an option for you.

  • Manage your pension online

    With our online dashboard and mobile app you can manage your pension payments and more, anytime, anywhere.

  • Transfer in any other pension plans you may have

    Make your life easier and simpler by managing all your pensions plans in just one place. Keep in mind that transferring other pensions will not be right for everyone. You need to consider all of the facts and decide if its right for you.


Standard life investment options

Compare your investment options

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Help me do it

This gives you a simple choice from four ready-made options based on what you plan to do with your money when you retire. These options are lifestyle profiles that are designed to make it easy for you to save for retirement.

There are 4 profiles with a focus on investing responsibly.                                                        


View the lifestyle profiles

Let me do it icons

Let me do it

This is where you can choose your funds from our full range if you have the knowledge and confidence to do so and the time to review regularly. You might want a bit more control, perhaps looking for a different level of risk and reward to our ready-made options.

You can choose from the full range of hundreds of funds.


View the full fund range