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Individual savers

Set up your account if your workplace uses Penfold. Open a personal pension if you want to make your own tax-efficient contributions or combine old pots into a single, modern account.

My workplace uses Penfold

I want to open a personal pension

As with all investments, your capital is at risk.


It’s important to compare providers’ fees and any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If your employer is paying into your pension currently, transferring that pot may mean you lose out on their contribution.