Choosing who manages your pension is one of the most consequential financial decisions you are likely to make. Yet retirement planning is often left until later in life, when the cost of putting things right can be considerably higher.
A recent interim report from the UK’s Pensions Commission found that at least 15 million people across the UK are not saving enough for retirement. The shortfall can compound quietly over decades, making the combination of disciplined investment management, sensible costs and flexibility in retirement increasingly important.
Whilst no provider can plug the gap in an underfunded pension, we aim to provide a comprehensive service, giving you the tools and flexibility to retire with confidence. Here’s how we do it.
1. Built to weather the changing economy
Markets hardly ever move in a straight line. Expansion, inflation, corrections and recoveries each test an investment strategy differently. Our portfolios are designed with the full investment cycle in mind: diversified across asset classes, regions and sectors, and managed with your time horizon in mind. Our aim is to build portfolios that can remain resilient as conditions change.
2. The same principles, without the traditional price tag
There is a common misconception that sophisticated portfolio management necessarily comes at a high cost.
In reality, many traditional advisory firms use broadly similar building blocks: diversified exposure to global equities, bonds and other asset classes, combined according to an investor’s objectives and attitude to risk. The difference can often be the cost. Even seemingly modest additional fees can have a meaningful impact over a long investment horizon, because the money spent on charges is money that is no longer compounding for your retirement.
This is why we focus on delivering investment management at a low cost that leaves more of your money invested.
3. A portfolio shaped around you
Your pension portfolio should reflect your circumstances. As retirement approaches, we also recommend lifestyling, carefully suggesting adjustments to your risk level as your investment horizon changes.
For investors who want their pension to reflect their wider values, our ESG-focused range provides an additional choice.
4. Reliable technology, with people behind it
Our app and web platform give you a clear view of your pension, how it is invested and how it is performing. But there is also a team of experienced consultants available when you want to discuss a change in circumstances, a major financial decision or simply make sense of what is happening with your pension.
It is investment management designed to be straightforward, with human interactions available when it matters.
5. One pension, different horizons
Retirement is not a single financial event. It can involve money you need soon, alongside money that may remain invested for decades. With Moneyfarm, investors can split their pension into individual risk levels, this allows each portion of the pension to be invested according to its own time horizon.
For example, money intended to fund nearer-term withdrawals can be held at a more appropriate level of risk, while capital that is unlikely to be needed for many years can remain invested for longer-term growth.
It is a simple principle, but an important one: different pots can have different jobs.
6. Making the most of contributions
For many people, the most powerful pension decision is simply putting more money to work.
Moneyfarm supports flexible contributions for both individuals and business owners. Employees can benefit from employer pension contributions and salary sacrifice where available, while directors and business owners can consider employer contributions as part of a wider tax-efficient remuneration strategy.
The right approach depends on your circumstances, but the principle is universal: the earlier and more consistently you invest, the longer your money has to compound.
7. Bringing old pensions together
A working life can leave you with pensions scattered across several employers, each with different charges, investment strategies and paperwork.
Our Find, Check and Transfer service is designed to simplify this. We locate your existing pensions, review them for charges, exit penalties, guarantees and other valuable features, and assess whether transferring them into a single Moneyfarm pension makes sense.
Consolidation is not automatically the right answer – some pensions contain benefits worth preserving – but knowing exactly what you have is an important first step towards making better decisions.
8. Flexibility when retirement arrives
The value of a pension ultimately comes from what it can do for you in retirement.
With flexi-access drawdown, you can choose when and how much income to take, whether that is monthly, quarterly, annually or through ad hoc withdrawals. Depending on your circumstances, this can be combined with a pension commencement lump sum, typically up to 25% of your pension tax-free, subject to the applicable rules and allowances.
You can also use uncrystallised funds pension lump sums (UFPLS), where each withdrawal is generally part tax-free and part taxable.
The most appropriate combination will depend on your wider finances, tax position and spending needs. That is where good planning matters: your pension should support the life you want to lead, rather than dictate it.
A smart way to manage your pension
Moneyfarm was recognised in 2026 by CNBC’s World’s Top Fintech Companies and the FT1000, the Financial Times and Statista’s ranking of Europe’s fastest-growing companies. We were also named Digital Wealth Management Provider of the Year at the Moneyfactscompare.co.uk Awards, alongside recognition at the Boring Money Best Buys.
But awards are only part of the story. The more important question is whether your pension is invested appropriately, managed with discipline, and doing so at a cost that makes sense.
Our approach combines institutional-style portfolio construction, modern technology and access to our team of experts, giving you the tools and flexibility to manage your retirement with greater clarity.
Please remember that when investing, your capital is at risk. The value of your portfolio with Moneyfarm can go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance. Tax treatment depends on your individual circumstances and may be subject to change in the future. The views expressed here should not be taken as a recommendation, tax advice or forecast. If you are unsure investing is the right choice for you, please seek financial advice.
*As with all investing, financial instruments involve inherent risks, including loss of capital, market fluctuations and liquidity risk. Past performance is no guarantee of future results. It is important to consider your risk tolerance and investment objectives before proceeding.
