Our pension plans

A range of pension plans designed to suit the way you save.

Join 327,000+ people saving with PensionBee

Two phones showing the pension dashboard with a notification indicating there are funds arriving soon

Plans designed for your needs

Save your way for your future by choosing from a range of curated pension plans designed to match your retirement savings goals, values or life stage.

Global Leaders

Under 50s default plan

Aims to grow your pension savings by investing in approximately 1,000 of the world’s largest and most recognised public companies.

4Plus

Over 50s default plan

Aims to achieve long-term growth of 4% per year above the cash rate, by managing your money actively across a range of investments.

Tracker

Invests your money in global shares and bonds. Investments follow the world’s markets as they move.‍

Climate

Tracks a Paris-aligned index excluding fossil fuel producers, weighted towards lower carbon emissions. Managed by State Street.

Shariah

Invests your money only into Shariah-compliant companies. Investments are approved by an independent Shariah committee.

Preserve

Makes short-term investments into creditworthy companies. This reduces risk and preserves your money.

Our default plans

When you join, we’ll invest your pension into one of our two default plans, depending on your age. These have been designed for the needs of a typical non-advised customer, so they may not be suitable for you. If not, you can switch to one of our other plans at any time or seek independent financial advice.

Default for under 50s

Global Leaders Plan

Invests in approximately 1,000 of the world’s largest and most recognised public companies. This approach offers customers a greater opportunity to grow their pension savings before they retire.

Default for over 50s

4Plus Plan

Aims to grow your pension by 4% per year above the Bank of England base rate over a minimum of five years. Its holdings may be adjusted weekly to balance growth and stability. It may be most suitable if you’re looking to access your pension in the near to medium term.

Why choose a PensionBee plan?

Diversified plans

Invest across global industries and assets like shares and bonds, to manage risk.

Switch plans anytime

Switch your pension plan to adjust your savings approach at any time for free.

One simple annual fee

Pay just one annual pension fee between 0.50% to 0.95% (halved on the portion of your savings over £100,000).

Modern pension management

Track your balance, adjust your pension projections and make flexible contributions and withdrawals (from 55 rising to 57 from 2028).

Combine old pensions

Transfer your other pensions into one easy-to-manage pension pot for free.

Managed by experts

Your pension investments are expertly managed by one of the world’s biggest money managers.

Two investment plan cards side by side: Climate plan and Global Leaders plan, highlighting sectors Financial Services 15.98%, Industrials 13.05%, and Healthcare 9.38%.

How much does a PensionBee plan cost?

Combining your old pensions is free.

Pay just one annual fee ranging from 0.50% to 0.95% - select ‘Plan info’ above for specific plan fees.

Pay half the annual fee on the portion of your savings over £100,000. For example, if you have £250,000 in the Global Leaders Plan, you’ll pay 0.70% on the first £100,000 but only 0.35% on the remaining £150,000.

Supporting you throughout your retirement journey

Get industry-leading customer service with your very own UK-based account manager, or 'BeeKeeper'.

They’re on hand to assist with combining your old pensions, switching plans and supporting you with your account.

Sign up in three steps

Becoming a PensionBee customer’s easy! Follow three simple steps to access your online account - your ‘BeeHive’ - and start managing your pension with confidence. When you sign up, we'll automatically invest you in one of our default pension plans based on your age. You can switch to one of our other plans anytime.

Get started