Information Density: interactive investor (ii) – Signal Evidence & AI Readability

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[H1] For over half a million investors, the penny’s dropped.
Unlike many investment platforms which charge you a percentage of your pot, with ii, you pay a low, flat fee. Join ii today and discover how you can keep more of the money you make.Open an accountTransfer to ii
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TrustpilotImportant information: As investment values can go down as well as up, you may not get back all of the money you invest. If you’re unsure if an investment account is right for you, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future.
[H2] Investing should feel rewarding
Spring into investing and give your savings more time to grow.
Get £200 cashback when you open a Personal Pension (SIPP)
Get £100 free trades when you open an ii ISA or Trading Account
Offer ends 31 May 2026. New customers only. Terms and exclusions apply.Join ii
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Important information: It’s important to take your time before transferring your pension. Make sure to consider what the best option is for you. Don’t transfer just to qualify for the offer, and don't rush any decision to meet the offer deadline. We periodically run offers, and there will likely be other opportunities in the future.Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as, guaranteed annuity rates, lower protected pension age or matching employer contributions.
[H2] Whatever your financial goal, we’ve got an account for that
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[H3] Personal Pension (SIPP)
Get pension peace of mind with our four-time Which? Recommended Personal Pension (SIPP). Invest yourself or let our experts handle your investments for you.Open a pensionLearn more
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[H3] Stocks & Shares ISA
Get tax-free investing all wrapped up with our award-winning ii ISA. Take care of your own investments or let us manage them for you.Open an ISA
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[H3] Managed ISA
Let us manage your ISA for you. Save time, leave it to the experts and feel confident in your investment goals - all for a low, flat monthly fee.Open a Managed ISA
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[H3] Trading Account
Invest in the markets you want and access a wide range of UK, US and international shares in a flexible account. It’s safe, secure and simpler investing.Open a Trading AccountImportant information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you’re unsure if a SIPP is right for you, please speak to an authorised financial adviser.
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[H2] Compare our flat fee
Most other investment platforms charge a percentage fee of your portfolio value. We do things a little differently.Our flat fee could help you keep costs low. See how ii compares to others on the market and let your wealth grow, not your charges.Compare our flat fee
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[H2] Your investments? Managed by experts.
Investing in a pension can seem like hard work. Picking out and managing your investments takes time - something we’re all short of.But with our new Managed Portfolios, it’s all taken care of for you. Our experts handle your investments so you don’t have to.It’s pension peace of mind - and still for our low, flat monthly fee.Discover the Managed Portfolios
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[H3] Keep more of what you make
While most other providers take a percentage of your wealth, we charge a low, flat fee. So you can keep more of what’s rightfully yours.
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[H3] Access decades of expertise
We’ve been helping people invest for 30 years. Our multi-award-winning range of accounts and expert insights are built on decades of experience.
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[H3] Lean on our UK-based support
Our award-winning customer service team is only a phone call away. It’s why over 50% of our customers have been with us for more than 10 years.Why choose ii
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[H2] Your investments deserve better
Better value investing is just a transfer away. Move your pensions, ISAs and investments to us and swap high, complicated percentage charges for a low, simple flat fee.

It’s easier than you think. You’ll have the support of one of our case handlers to guide you through the process from start to finish. Transfer to ii
[H2] Access one of the widest choices of investments on the market
Whatever you’re looking for, we’ve got you covered. Explore our wide range of UK and international investment options.
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[H3] Shares
With direct access to the UK, US and several other global markets, you’ll have the world of investing at your fingertips. Search our shares and find tips and ideas to help you build your portfolio.Explore shares
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[H3] Funds
Passive, active, income and accumulation - the full spectrum of fund types are here for your choosing. Explore the range, see our expert picks and learn more about this type of investment.Explore funds
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[H3] ETFs
With over 1,000 Exchange-Traded Funds (ETFs) to explore, you’ll get access to one of the widest ranges of low-cost ETFs around. Discover more about investing this way and find the right ETFs for you.Explore ETFs
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[H3] Investment trusts
Our selection of investment trusts includes many of the most popular and top-traded choices by investors. Get insights from our experts to help you choose the right trusts for your portfolio.Explore trusts
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[H3] Bonds and gilts
Balance your risk and get regular income, with a wide range of corporate and government bonds from the UK and beyond. Browse our bonds and learn why many choose to include them in their portfolio.Explore bonds & gilts
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[H2] Why more people are choosing ii
“ii are night and day compared to other providers. We were looking for fairer charges, good reviews and what other people experienced. And they ticked every box. That’s why we’re with ii.”Hear why our ISA and SIPP investors have joined over 500,000 people taking greater control of their money with ii.ISA success storiesSIPP success stories
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[H2] Start investing today
Become an ii investor in a matter of minutes. Join us and over 500,000 others already investing for a brighter financial future.Open an account

HomeJoin ii today
[H1] Join ii today
[H2] Three simple steps to smarter investing
Choose your account, add money or transfer from another provider, then start investing for your future. We’ll be by your side every step of the way.Choose an account
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TrustpilotImportant information: As investment values can go down as well as up, you may not get back all of the money you invest. If you're unsure about investing, please speak to an authorised financial adviser. Tax treatment depends on your individual circumstances and may be subject to change in the future. Please note images displayed are for illustrative purposes only.
[H2] 1. Choose and open your account
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[H3] Personal Pension (SIPP)
Get pension peace of mind with our four-time Which? Recommended Personal Pension (SIPP). Invest yourself or let our experts handle your investments for you.Open a pensionLearn more
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[H3] Stocks & Shares ISA
Get tax-free investing all wrapped up with our award-winning ii ISA. Take care of your own investments or let us manage them for you.Open an ISA
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[H3] Managed ISA
Let us manage your ISA for you. Save time, leave it to the experts and feel confident in your investment goals - all for a low, flat monthly fee.Open a Managed ISA
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[H3] Trading Account
Invest in the markets you want and access a wide range of UK, US and international shares in a flexible account. It’s safe, secure and simpler investing.Open a Trading Account
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[H3] Junior ISA (JISA)
Put your child’s future on the front foot. Give their savings a JISA jump-start and invest up to £9,000 a year, with all the tax-efficient savings you’d expect from an ISA. Open a JISA
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[H3] Joint Trading Account
Pool your resources and invest together. Make the most of your Capital Gains Tax allowances and diversify your portfolios.Open a Joint Account
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[H3] Cash Savings Account
Hold your cash savings in one place and pick the best deal. Find better interest rates, then seamlessly move to another deal at the end of your offer period.Open a Cash AccountImportant information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you’re unsure if a SIPP is right for you, please speak to an authorised financial adviser.
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[H2] 2. Add money or transfer your investments
With your account open, you can add money to it in a way that works best for you:
Make a one-off payment to get started right away
Set up a Direct Debit to top up your investments each month
Transfer your investments from another provider into your new ii account
How to transfer
[H2] 3. Start investing
Choose from our wide range of investments, including UK and international shares, funds, ETFs and bonds.To help you decide, we’ve narrowed down the field with our expert picks and ideas.Explore our investments
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[H3] Keep more of what you make
While most other providers take a percentage of your wealth, we charge a low, flat monthly fee. So you can keep more of what’s rightfully yours.
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[H3] Access decades of expertise
We’ve been helping people invest for 30 years. Our multi-award-winning range of accounts and expert insights are built on decades of experience.
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[H3] Lean on our UK-based support
Our award-winning customer service team is only a phone call away. It’s why over 50% of our customers have been with us for more than 10 years.Why choose ii
[H2] Keep your finger on the pulse with our free daily newsletters
The markets move fast. You can move faster. Stay ahead of the curve with the latest and most relevant news with impartial content from our award-winning experts straight to your inbox.Sign up for free
[H2] Don’t just take our word for it
We understand just how important it is to trust who you invest your money with.That’s why we’re proud of our multiple industry awards and thousands of 5-star customer reviews. They let you know you can rely on ii for safe and supported investing.Open an account
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Trustpilot

HomeInvestment accountsPersonal Pension (SIPP)
[H1] Open an ii Personal Pension (SIPP)
[H2] Your pension? Taken care of.
Saving for retirement made simple with a Which? Recommended ii Personal Pension (SIPP).Choose your own investments or let experts manage them for you – all with a low, flat monthly fee that helps you save more for what matters most. Open a pensionTransfer to ii
[IMG: Man looks at smartphone with Which Award]
TrustpilotImportant information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
[H2] What is the ii Personal Pension?
The ii Personal Pension is a SIPP (Self-Invested Personal Pension), a tax-efficient pension account offering you a wider choice of investments and flexibility.Whatever your investing experience, a personal pension can help you reach your goals. Hand-pick your own investments from the UK and global markets or leave it to our experts with our managed portfolios.Investing with a low-cost SIPP, like the ii Personal Pension, gives you a greater opportunity to grow your savings for the retirement you want.Open a pension
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[H2] Benefits of a Self-Invested Personal Pension
Like all pensions, the ii Personal Pension has great tax benefits, but the main features that set it apart are choice and flexibility. From taking control of your pension savings, to choosing what to invest in, you can prepare your retirement income on your terms.
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[H3] Control how you contribute
Don’t feel limited by your retirement saving options. With a SIPP you’re in control of how much and when you save.Personal pensions can be a great choice for the self-employed, someone consolidating their pensions, or anyone who values a bit of flexibility.
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[H3] Invest your way
Have the freedom to choose exactly what to invest your retirement savings in, and adjust your investments anytime.If you aren't sure where to begin, you can take a hands-off approach with expert managed investment options.
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[H3] Retire on your terms
Unlike some other pensions, when you’re ready to start taking an income from your pension, you have a range of retirement options to choose from.Withdraw your savings from your SIPP using lump sums, income drawdown, and other flexible options.
[H2] Investing should feel rewarding
Spring into investing and give your savings more time to grow.Open an ii Personal Pension (SIPP) and enjoy £200 cashback when you deposit or transfer a minimum of £20,000. See more details on this offer.Offer ends 31 May 2026. New customers only. Terms and fees apply.Open a pension
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Important information: It’s important to take your time before transferring your pension. Make sure to consider what the best option is for you. Don’t transfer just to qualify for the offer, and don't rush any decision to meet the offer deadline. We periodically run offers, and there will likely be other opportunities in the future.Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as, guaranteed annuity rates, lower protected pension age or matching employer contributions.
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[H3] Keep more of what you make
Other providers usually charge a percentage of your pot. That means you’ll be charged more as your pension grows in value. The ii Personal Pension is different. With our low, flat fee, from just £5.99 a month, you can keep more of what’s rightfully yours.
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[H3] Flexible withdrawal options
You can withdraw from your SIPP in various ways, including tax-free cash, income drawdown, lump sums, or a combination that best suits your needs.
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[H3] Choose how you invest
Have the freedom to choose exactly where and how to invest your retirement savings, and adjust your investments anytime.If you aren't sure where to begin, you can take a hands-off approach with our Managed Portfolios.Open a pension
[H2] How do you want to invest in your pension?
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[H3] Manage your own investments
A Self-Invested Personal Pension that gives you control of how much you save and when.
Build your investment portfolio from our full range of UK and international shares, funds, bonds, trusts and more.
And while you manage your investments yourself, our expert insights are always there if you need them.
Get started
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[H3] Leave it to the experts
If you prefer a ready-made option, then our Managed Portfolios may be for you.

We’ll match you to an investment portfolio that reflects the risk level you’re comfortable with, then look after your investments for you.
Please note, our Managed Portfolios aim to grow your pension over the long term. That's why you'll need to be at least 5 years away from taking money out of your pension.

Get startedLearn more
[H2] It’s official: four-time Which? Recommended SIPP
For the fourth year in a row, independent analysts at Which? have recognised the ii Self-Invested Personal Pension for its industry-leading choice, support and value.Join over 500,000 ii investors and start prioritising your pension with our award-winning, low-cost SIPP.Open a pension
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Trustpilot
[H2] Simple and transparent pension charges
Unlike percentage-based fees charged by many providers, with ii you will always pay a low, flat fee. This could dramatically increase your retirement wealth over time.Start on our Core plan at £5.99 a month and upgrade when you want access to a wider range of benefits - or when your portfolio grows above £100,000.It’s a transparent, cost-effective way to invest in your pension, with everything you need in one place.Open a pensionView plans and prices
[H3] Get started from £5.99 a month
Add an ISA and Trading Account at no extra cost
Free regular investing
No additional charges when making pension withdrawals
Buy and sell investments from £3.99 per trade
Free family accounts (upgrade to Plus)
1 x Free monthly trade (upgrade to Plus)
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[H2] Consolidate and save with the ii Personal Pension
It's easy to consolidate your pensions with ii. From old workplace pensions to SIPPs, even with traditional pension providers like Aviva and Standard Life, transferring to ii gives you more control over your money and, possibly, lower fees.You can do this quickly, easily and entirely online once you open an ii Personal Pension.Find out more about consolidating your pensions with ii and check out how our prices compare to other SIPP providers.Transfer a pension
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[H2] Why Rhian & Julian transferred their pensions to ii
“ii are night and day compared to other providers. We were looking for fairer charges, good reviews and what other people experienced. And they ticked every box. That’s why we’re with ii.” Rhian and Julian, 62 and 64, switched to ii and now feel confident in their financial future. Hear why they’ve joined over 500,000 investors taking greater control of their money with ii.Explore customer stories
[H2] Your ii Personal Pension investment options
The ii Personal Pension gives you a range of options to suit all investors. From shares and ETFs to ready-made funds and income options, we’ve got you covered.
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[H3] Shares
With direct access to the UK, US and several other global markets, you’ll have the world of investing at your fingertips. Search our shares and find tips and ideas to help you build your portfolio.Explore shares
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[H3] Funds
Passive, active, income and accumulation - the full spectrum of fund types are here. Explore the range, see our expert picks and learn more about this type of investment.Explore funds
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[H3] ETFs
With over 1,000 Exchange-Traded Funds (ETFs) to explore, you can access one of the widest ranges around. Find out more about investing this way and find the ETFs for you.Explore ETFs
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[H3] Investment trusts
Our selection of investment trusts includes many of the most popular and top-traded choices by investors. Get insights from our experts to help you choose the right trusts for your portfolio.Explore trusts
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[H3] Bonds and gilts
Balance your risk and get regular income, with a wide range of corporate and government bonds from the UK and beyond. Browse our bonds and learn why many choose to include them in their portfolio.Explore bonds
[H2] Personal Pension FAQs
[H4] How do you set up an ii Self-Invested Personal Pension?
You can apply online for your SIPP in less than 15 mintues. All you’ll need is your National Insurance number, debit card and bank details.Once your SIPP’s set up, you can add money via a one-off deposit or regular, monthly Direct Debit contributions. You can also transfer in any existing pensions you have elsewhere.Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
[H4] How much can you pay into a Personal Pension?
You can pay up to 100% of your salary (capped at £60,000) per year into a SIPP. This is your pension annual allowance and can be spread across all the pensions you pay into.Your annual allowance also includes tax relief, so the maximum you can pay in yourself is usually £48,000, and the remaining £12,000 would be added by the government.If you’ve already taken money out of your pension, or are a higher earner, your annual allowance may be lower. Remember, pension and tax rules apply and depend on your personal circumstances.Find out more about paying into your SIPP.
[H4] How do you claim Personal Pension tax relief?
For every personal payment you make into your SIPP from your net income, we’ll automatically claim basic rate (20%) tax relief for you. So if you contribute £80, this will be topped up to £100.Once your tax relief has been sent to us by HMRC, we’ll pay it as cash into your SIPP account, so you can choose how to invest it.If you’re a higher rate (40%) or additional rate (45%) taxpayer, you can claim back the rest of your tax relief through your annual Self Assessment.Find out more about how tax relief works.
[H4] When can you access your Personal Pension?
The earliest you can access your Personal Pension is age 55, rising to 57 in 2028.You can withdraw from your SIPP in various ways, including tax-free cash, income drawdown, lump sums, or a combination that best suits your needs.You can take up to 25% of your pension tax-free - subject to a maximum of £268,275 - while any remaining withdrawals will be added to your income and could be taxed.
[H4] Can you have a Personal Pension and a workplace pension?
Yes, you can have a SIPP and a workplace pension and can pay into both at the same time. Just make sure your total contributions don’t exceed your annual allowance.

Once you’ve maximised your employer pension contributions, paying into a SIPP can be a great way to complement your workplace savings.
[H4] Can you have more than one Personal Pension?
Yes – there is no limit on how many pensions you can have. However, bringing your pension pots together into one SIPP can make your retirement planning much simpler.We make it easy to transfer other pensions into our SIPP. You can transfer when opening your account, or you can come back and do it later.Find out more about transfers.
[H4] Can your employer contribute to a Personal Pension?
Yes, it is possible for employers to contribute to a SIPP through one-off and/or regular payments. If you want to pay into your SIPP this way, you will first need to ask your employer if they are able to arrange this.Read our guide to setting up employer contributions.
[H4] What happens to your Personal Pension when you die?
When you die, any remaining money within your SIPP can pass to whoever you wish to receive it. It’s important that you fill out an expression of wishes form to make sure your pension ends up in the right hands. Your beneficiaries usually won’t pay inheritance tax on any money they receive but might pay income tax on any withdrawals if you die after age 75. If you die before age 75, they can inherit the pot without paying income tax. From 6 April 2027 unused pension funds (as well as some death benefits) will become part of your estate for inheritance tax (IHT) purposes following an announcement in the Autumn 2024 Budget. Read more about the upcoming changes to pensions and inheritance tax.Read our guide on what happens to your SIPP after death.
[H4] Can you open a Managed Portfolio alongside your existing SIPP?
Yes, a Managed Portfolio is simply an investment option and will appear alongside your other investments within your SIPP account.
[H2] Have a question about the ii SIPP? We can help.
Call our award-winning UK-based support team on 0345 646 2390.You can reach one of our friendly SIPP specialists between 8am-4:30pm, Monday to Friday.Talk to the teamTrustpilot
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[H2] Learn more about pensions
[H4] Pension investment ideas
Learn more
[H4] Options at retirement
Learn more
[H4] Contributing to your SIPP
Learn more
[H4] Consolidate your pensions
Learn moreView all guides
[H2] Thinking about a Self-Invested Personal Pension?
Our free Essential Guide to SIPPs has everything you need to know to help you get started. It covers what a SIPP is, how it works and whether it’s right for you.Get the guide
[H2] How can Pension Wise help?
If you’re thinking about retiring soon and want to understand your options, make sure you speak to someone at Pension Wise.Pension Wise is part of

HomeInvestment accountsPersonal Pension (SIPP)Open a Managed Portfolio
[H1] Open a Managed Portfolio
[H2] Your pension investments? Managed by experts.
Save time, save money, save for what matters most.With a Managed Portfolio, experts handle your investments for you. It’s pension peace of mind for a low, flat monthly fee. Open a pension
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Important information: The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. Tax treatment depends on your individual circumstances and may be subject to change in the future. This information is not a personal recommendation, if you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
[H2] Introducing our Managed Portfolios
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[H2] Investing should feel rewarding
Spring into investing and give your savings more time to grow.Open an ii Personal Pension (SIPP) and enjoy £200 cashback when you deposit or transfer a minimum of £20,000. See more details on this offer.Offer ends 31 May 2026. New customers only. Terms and fees apply.Open a pension
[IMG: £200 cashback SIPP offer with 4x Which Recommended logo]
Important information: It’s important to take your time before transferring your pension. Make sure to consider what the best option is for you. Don’t transfer just to qualify for the offer, and don't rush any decision to meet the offer deadline. We periodically run offers, and there will likely be other opportunities in the future.Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as, guaranteed annuity rates, lower protected pension age or matching employer contributions.
[H2] Invest in your retirement with confidence
Managed Portfolios are for those looking to get the most from their pension investments - without the hard work.The ii Personal Pension offers low-cost access to investments managed by experts at the Aberdeen Group.Once open, simply leave it to us. We'll check and rebalance your investments regularly, letting you plan your future with peace of mind.Open a pension
[H3] Is a Managed Portfolio right for you?
You might be new to investing and benefit from a portfolio managed by experts.
You don’t have time to learn and research the markets.
You are more than 5 years away from taking money from your pension.
[H2] Why choose the ii Personal Pension?
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[H3] Lower cost; better value
Other providers usually charge a percentage of your pot. That means you’ll be charged more as your pension grows in value. The ii Personal Pension is different. With our low, flat fee - you can keep more of what’s rightfully yours.
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[H3] Experience that counts
We’ve been supporting investors for three decades. That’s why over 500,000 people invest £95bn with ii. We’re also backed by Aberdeen’s 200 years’ supporting investors worldwide.
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[H3] Top-rated support
ii has more 5-star Trustpilot reviews than any other UK SIPP provider. Have a question? It’s easy to keep track of your pension via our website and secure mobile app. Open a pension
[H2] How our Managed Portfolios work
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[H4] Tell us about you
We'll ask you a few questions to match you to one of our 10 investment portfolios, helping us find the one that best suits you and the level of risk you're comfortable with.
[H4] Check your style
Check you’re happy with the chosen Managed Portfolio and its investment strategy, and you’re all set to open your pension.
[H4] Leave it to us
Experts at Aberdeen will monitor your investments and adjust as needed to keep them in line with your goals.Check in anytime, and if anything changes, you can easily switch to a different portfolio.
[H2] Investment portfolios built around you
With 2 distinct styles and 5 levels of risk to choose from, you can find an investment portfolio that matches the type of investor you are. While there's no minimum investment period, all our portfolios are designed for long-term growth (at least 5 years).Want to understand more about risk? Learn how you can strike the right balance.
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[H3] Index investment style
Low-cost Aberdeen funds designed to build long-term growth.
A diverse range of investments that ensure your money is always working as hard as it can for you.
Invest in some of the most popular companies, with our experts reviewing and diversifying when needed to keep it fresh.
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[H3] Sustainable investment style
Low in cost and built for long-term growth, invested in funds that reflect your beliefs and values.
Most of your money goes towards sustainable funds which follow environmental, social and governance (ESG) criteria.
The rest is split across neutral options, such as cash and bonds.
Important information: interactive investor (ii) is an Aberdeen company. Aberdeen advise ii on the fund selection for the ii Personal Pension (SIPP) Managed Portfolios. The portfolios contain funds predominantly managed by Aberdeen but may also include funds managed by other third-party managers. Please review our portfolio factsheets for more details on the underlying funds.
[H2] Smart investing, handled for you
interactive investor is an Aberdeen company. This means that we can offer Managed Portfolios at lower prices which in turn reduce your overall costs.With a heritage spanning 200 years, the Aberdeen Group delivers a wealth of experience and a passion for helping investors achieve their goals and enjoy the retirement of their dreams.Their fund managers will adjust your investment mix based on your risk level — so your money works smarter, without you having to lift a finger.
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[H2] What you’ll pay for your Managed Portfolio
Unlike percentage-based fees charged by many pension providers, with ii you will always pay a low, flat fee. This could dramatically increase your retirement wealth over time.Start on our Core plan at £5.99 a month and upgrade when you want access to a wider range of benefits - or when your portfolio grows above £100,000.It’s a transparent, cost-effective way to invest in your pension, with everything you need in one place.Open a pensionView plans and prices
[H3] Monthly fee for your ii Personal Pension
Invest up toMonthly feePlan£100,000£5.99CoreNo limit£14.99Plus
[H3] Managed Portfolio cost
As with any other investments, you'll pay an ongoing management charge for your Managed Portfolio. This is taken directly from the value of the fund and can range from 0.14% to 0.22% (costs may change over time), depending on your portfolio choice. See our factsheets for more information on these charges.
[H2] How our charges compare
Our low-cost Managed Portfolios and flat monthly fees mean your total costs for an ii Personal Pension are some of the lowest around for a pension managed by experts.See how our total annual costs compare to other managed pension options - and see how much you could save with ii.Find out more about our plans and charges.Open a pension
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[H4] Annual fee comparison by pension value
£20,000£50,000£100,000£250,000ii£111.88£171.88£379.88£679.88JP Morgan£130.00£325.00£650.00£1,325.00Vanguard£122.00£305.00£610.00£1,525.00Wealthify£148.00£370.00£740.00£1,400.00How we calculated this comparison: Costs of investments in portfolios include fund fees, market spread and variable transaction charges. ii illustration based on an Balanced Index Portfolio - Level 3. Vanguard illustration based on Managed Pension - Moderate plan. Wealthify illustration based on Wealthify Confident Plan. JP Morgan illustration based on Fixed Allocation Plan.Account fees include any account fees, subscription fees or management charges. The ii pension uses a monthly subscription. Other providers' account fees are on an annual percentage of the amount invested. This is only an estimate. Actual costs may vary depending on the performance of underlying investments.Source: Boring Money, 1 February 2026
[H2] It’s official: four-time Which? Recommended SIPP
For the fourth year in a row, independent analysts at Which? have recognised the ii Self-Invested Personal Pension for its industry-leading choice, support and value.Join over 500,000 ii investors and start prioritising your pension with our award-winning, low-cost SIPP.Open a pension
[IMG: Four Which? Recommended provider awards for SIPP]
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[IMG: ii - I think, therefore ii]
[H2] Open an ii Personal Pension (SIPP)
The best time to start investing in a personal pension is today. The sooner you start, the brighter your retirement could look.Open a pension