When you’re planning for life after work, it’s vital to choose an investment partner that you can trust, so you can have peace of mind when you retire.
Whether you’re just starting out or nearing retirement, we’re dedicated to helping you try to grow your savings. Taking control of your pensions is key to achieving the retirement that you deserve.
How we can help
No matter what stage of your retirement planning journey you’re on, you can enjoy a range of benefits to help you make the most of your money with our pension.
- Combine old workplace pensions into one place – This consolidation is really useful to helping you keep track of your pensions and is key to understanding if you are on track as well as being in the best position to plan your retirement.
- Free pension transfers – You can transfer old pensions for free through the platform and we will do the work for you.
- Transparency and piece of mind – Our award winning platform allows you to see your pensions in an easy to monitor way accessible at any time, to make sure you feel in control.
- Tax efficiency – Get a 25% boost to your pension contributions, without making a claim to HMRC. You may be entitled to more or less than this amount, subject to your tax status. Please note the tax treatment depends on your individual circumstances and may be subject to change in the future.
- Flexi-access drawdown – With a flexi-access drawdown pension, you can take any level of income you choose, or you can choose not to take any income at all after having taken your pension commencement lump sum [PCLS – the 25% tax-free lump sum]. You can increase or reduce the amount of income being drawn or ask for an extra one-off flexi-access drawdown pension payment. You can choose for it to be paid on a monthly, quarterly, semi-annual or annual basis. If you wish to change the amount of flexi-access drawdown pension being drawn from your plan you should instruct us in writing.
- Investments managed to suit your retirement plans – We manage your portfolio around your target retirement date and will update your pension portfolio risk recommendations as the date approaches.
- Expert guidance – Our team of pension and savings experts are always on hand to help you make the best financial decisions possible. This can include some cashflow planning help as well as guidance on investments and other retirement decisions.
- Find, check and transfer – We can find old workplace pensions you may have forgotten about. You simply give us the details of the employment and we will look for it for you.
Strong track record of performance
We’d also like to share the latest data from ARC with you to give an overview of portfolio performance. We believe the latest figures demonstrate our ability to navigate challenging market conditions effectively on behalf of our pension holders, as well as the benefits of maintaining a well-diversified approach when investing. Although, it should be noted that past performances are not an indication of future performance and returns and the value of investments can fall as well as rise.
What is ARC?
Asset Risk Consultants (ARC) specialises in performance analysis of investment portfolios. They provide independent, unbiased data and insights that help us evaluate our performance. This impartiality is invaluable, as it allows us to rely on unbiased information to assess performance.
What is the ARC relative benchmark?
The ARC benchmark is a standardised set of performance data and metrics used by ARC, which serves as a reference point against which the performance of various investment portfolios can be compared.
By comparing the metrics of a specific investment portfolio to those of the ARC benchmark, we gain insights into how well a portfolio has performed in relation to a broadly accepted industry standard.
Our latest figures from ARC
| 1-year Performance | Cumulative Returns | Peer Group Median Cumulative Returns | Quartile |
| P2 | 7.6% | 6.1% | 1 |
| P3 | 10.5% | 6.1% | 1 |
| P4 | 12.4% | 8.9% | 1 |
| P5 | 14.7% | 10.6% | 1 |
| P6 | 16.2% | 10.6% | 1 |
| P7 | 17.7% | 12.1% | 1 |
| Since Inception | Cumulative Returns | Peer Group Median Cumulative Returns | Quartile |
| P2 | 19.1% | 22.0% | 3 |
| P3 | 41.0% | 22.0% | 1 |
| P4 | 53.7% | 37.8% | 1 |
| P5 | 66.9% | 54.8% | 1 |
| P6 | 82.3% | 54.8% | 1 |
| P7** | 64.2% | 43.5% | 1 |
*These figures are calculated by ARC using anonymised customer performance data. All data submitted are net of costs and have been invested in the same model continually for the period under consideration. Please note that performance data included is for our classic portfolios only – ESG lines are not included in ARC data. The returns are net of underlying fund costs and market spread. 1-year performance should never be used as the basis of investment decisions – it is a short time period. Past performance is not an indicator of future performance. Data as of 30/06/2024. For our full performance, please refer to our website.
**The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite). As with all investing, financial instruments involve inherent risks, including loss of capital, market fluctuations and liquidity risk. Simulated past performance is not a reliable indicator of future performance. This information is for educational purposes only and should not be considered as personalised investment advice.
***Performance period starts from 01/05/2016 and ends on 30/06/2024. The P7 only became available to clients on 16/05/2019.
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. This information is for educational purposes only and should not be considered as personalised investment advice.
Invest with an award-winning, B Corp-certified provider
We were founded with the mission of making finance simple and accessible, with the aim of protecting and growing your wealth to give you greater control over the life you want to lead.
As a digital wealth manager, we recognise our role in shaping a better future for all. That is why, two years ago, we embarked on our journey to becoming a B Corp and last month we became a B-Corp certified firm. You can read more about this milestone achievement here.
This dedication to our clients has also been recognised by a number of industry bodies who’ve awarded us prestigious awards based on our levels of service and product offerings in the last 12 months alone.
2023
- Digital Wealth Management Provider of the Year at the Moneyfacts Consumer Awards 2023
- Best Buy ISA and Best for Low-cost Pension at the Boring Money Best Buy Awards 2023
- Best Investment ISA Medium Portfolio at YourMoney.com Investment Awards 2023
2024
- Best Investment ISA Medium Portfolio at YourMoney.com Investment Awards 2024
- Best Buy ISA, Best Buy Pension, Best Buy JISA, Value for Money kitemark at the Boring Money Best Buy Awards 2024
- Best Private Pension at the Good Money Guide Awards 2024
- Selective SIPP Provider, Selective ISA Provider, Selective Platform, App at the Celebration of Investment Awards 2024 by the Financial Times and Investors’ Chronicle
2025
- Best Investment ISA and Best Mobile Investment Platform at the Yourmoney.com Investment Awards 2025
- Best Buy SIPP, Best App, and Best for Low-Cost ISA Funds and Shares at Boring Money Best Buys 2025
We’re proud of our achievements so far but we recognise that it’s a journey rather than a destination, which is why we remain committed to continuous improvement and maintaining the highest possible standards.
This level of service is why we believe over 130,000 clients trust us to help make their wealth grow together in partnership.
If you’d like more information on your Moneyfarm pension or would like to open a pension with us, why not book an appointment with one of our team of consultants? You can do so via this link or call us on 0800 433 4574. You can also email hello@moneyfarm.com or start an online chat session and we’ll be happy to help.
As with all investing, financial instruments involve inherent risks, including loss of capital, market fluctuations and liquidity risk. It is important to consider your risk tolerance and investment objectives before proceeding. 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.
