Penfold's tailor-made pension plan

Our most popular plan. Tailor your pension to fit your stage of life and investment preferences. Adjust your risk level whenever, and wherever.

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Penfold Dashboard and Activity pages

As with all investments, your capital is at risk.

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Download at the Apple App Store

Diversified, risk-balanced & low cost

Managed risk

This plan uses advanced technology to adapt the way your savings are invested in response to market and wider world changes.

Broad diversification

Your money is invested across a wide range of investments & industries to reduce how susceptible your savings are to market volatility.

One simple all-in fee

We hate hidden fees. You'll only pay one annual fee of 0.75% for pots under £100,000, or 0.45% for pots over £100,000.

We work with the largest asset manager in the world

Our plan is managed by BlackRock, who invest your pension in thousands of companies and other assets around the world using advanced technology to balance growth and risk.

BlackRock's Standard plan significantly outperformed the stock markets and other retirement portfolios during the Coronavirus pandemic.

Choose from four different risk-levels

Level 1

Lowest growth & risk potential, preferable to those who are less than 5 years from retiring.

Level 2

Low to medium growth & risk potential, preferable to those who are 5-10 years from retiring.

Level 3

Medium to high growth & risk potential, preferable to those who are more than 10 years from retiring.

Level 4

Highest growth & risk potential, preferable to those who have are more than 15 years from retiring.

How it works

How it works

Select a risk type

Enter your email address and personal details, and select one of four risk ty Stan pension plan when you sign up.

Add money or transfer

Setup with a Direct Debit, a bank transfer contribution or request a pension transfer.

Calculate & track

Track your investments. Project and forecast your pension with our calculator tools.


Withdraw easily online at 55. There's no restrictions with withdrawing a Penfold pension.

Trace & transfer your old pensions

Our consolidation service is for everyone - self-employed or not - we make finding & combining your old pension pots as easy as ever. Simply request the transfer from your dashboard, and our team of experts will sort the rest for you.

We'll even top up your transfer funds by up to £1,000! To find out more about this offer, head here.

It is important to compare providers’ fees & any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If you decide to close your Penfold account and the value of your pot has gone down, the amount returned to the provider may be less than what you originally transferred. For more information on the risks see here.


Join thousands of self-employed already saving with Penfold

Crowd of happy people


If you're freelance/ self employed, this is a must. You'll thank yourself later. Really easy to setup, add money, choose your investment options, and transfer existing pensions over. Amazing customer service too, really helpful explaining things if you are unsure.


Just brilliant! So easy to use. Customer Service second to none! Responses. Yes! Responses to your enquiries, quickly and in a language we all understand - common sense.

Why oh why!? can't so many other companies be like this. Thrilled and delighted and in control. It's great.


It was so simple to set up and the team were able to transfer in my existing pension pots for me without hassle. Everything is clear and easy to understand, which is a relief when traditional pensions can be confusing.

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