Top 10 holdings in your pension

The ‘top holdings’ in your pension are simply the companies you have the largest investments in. When your pension’s invested through PensionBee, these companies are carefully selected by some of the world’s biggest money managers.

Putting your pension under a microscope, you’ll see that you probably own a miniscule percentage of a multitude of companies. This may include the big players in the technology sector, known as the ‘Magnificent Seven‘.

How does your pension grow?

Pensions are designed to grow over decades by investing in a mix of assets types, such as ‘bonds’ and ‘equities’. This mix, called diversification, helps balance the risk and reward of each asset type.

The main asset classes are:

• Bonds - essentially loans to companies or governments, where you earn a fixed interest rate over an agreed period.
• Cash - money held for stability, offering low risk but typically very low returns compared to other assets.
• Equities - shares in companies, where the share price reflects the company’s value divided by the number of shares available.

Does your age impact how you should invest?

When you’re younger, you can usually take more risks with your pension because there’s plenty of time to recover from market ups and downs. Investing heavily in equities, sometimes even 10^{_personal_allowance_rate}, can help maximise growth through compounding - where your returns generate even more returns over time.

As retirement approaches, usually from around 50 years old, it’s wise to gradually reduce risk by shifting into safer assets like bonds or cash. This process, called de-risking, helps protect your savings from market fluctuations, ensuring they’re ready when you need them.

Keep reading to find out the top 10 holdings of your PensionBee plan.

The following represents the equity holdings only and portfolio weights are normalised. Please note that holdings can change at any time and are provided for informational purposes only.

PensionBee’s default plans

Global Leaders Plan

PensionBee’s Global Leaders Plan aims to grow your pension savings by investing in approximately 1,000 of the world’s largest and most recognised public companies. This is our default plan for savers under 50 years old.

Holdings as of 31 December 2025.

With this plan you’ll benefit from:

• one simple annual fee of 0.70%; and
• fund management by BlackRock.

4Plus Plan

PensionBee’s 4Plus Plan invests your money in a range of assets that are adjusted on a weekly basis depending on market conditions by experts at State Street. This is our default plan for savers aged 50 years old and over.

Holdings as of 31 January 2026.

With this plan you’ll benefit from:

• one simple annual fee of 0.85%; and
• fund management by State Street.

PensionBee’s sustainable plans

Climate Plan

PensionBee’s Climate Plan aims for the total carbon emissions produced by the plan’s companies to be reduced by at least 1^{_personal_allowance_rate} each year.

Holdings as of 31 January 2026.

With this plan you’ll benefit from:

• one simple annual fee of 0.75%; and
• fund management by State Street.

Shariah Plan

PensionBee’s Shariah Plan invests your money only into Shariah-compliant companies. The plan tracks the Dow Jones Islamic Market Titans 100 Index, an index of the 100 largest global stocks that comply with Islamic investment guidelines as approved by an independent Shariah committee.

Holdings as of 17 February 2026.

With this plan you’ll benefit from:

• one simple annual fee of 0.95%; and
• fund management by HSBC Global Asset Management and State Street.

PensionBee’s other plans

Tracker Plan

PensionBee’s Tracker Plan invests your money in global shares and bonds, with investments that follow the world’s markets as they move.

Holdings as of 31 January 2026.

With this plan you’ll benefit from:

• one simple annual fee of 0.50%; and
• fund management by State Street.

Preserve Plan

PensionBee’s Preserve Plan is a money market fund that makes short-term investments into creditworthy companies. This reduces risk and preserves your money.

There’s no equity component to this plan, so there’s no top 10 company holdings.

With this plan you’ll benefit from:

• one simple annual fee of 0.50%; and
• fund management by State Street.

Will my top 10 holdings change?

Yes, your holdings are constantly changing, as the financial fates of the world’s biggest companies play out each day. Currently we’re living in a time where the technology sector is highly lucrative for investors. ‘Big tech’ like Apple and Microsoft have held the top spot of the world’s most valuable companies for over a decade, but this hasn’t always been the case.

We know from historical data that the companies of today may not be the companies of tomorrow. Before that oil and gas giant, ExxonMobil, was the biggest company. And even further back the multi-industry company, General Electric Company, held the top spot. Your money is in experienced hands as our money managers are some of the biggest in the world and make informed decisions based on global appetite and change your holdings accordingly.

Have a question? Get in touch!

Do you want to know more about your pension plan with PensionBee? You can check out our Plans page to learn how your money is invested in different assets and locations, or log in to your BeeHive to see your specific plan. You can always send comments and questions to our team via [email protected].

Risk warning

As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.