HL’s professionally managed Ready-Made Pension Plan (RMPP) reaches £1 billion in assets under management in under three years.
Around 3 in 10 new SIPP clients choose it, rising to 4 in 10 for brand new HL clients.
More than 14,000 clients are using it to build their pension wealth through monthly investment, at an average amount of around £200 a month.
Fee-free offer: Until the end of July 2026, new HL SIPP clients investing in our Ready-Made Pension Plan won’t pay an account charge or a fund charge until May 2027.
Who invests in the HL Ready-Made Pension Plan
Through less than three years of organic growth since its launch, HL’s Ready-Made Pension Plan (RMPP) has surpassed £1 billion in assets under management and has attracted almost 50,000 clients, supporting them in building their pension wealth, with confidence. The average investment value is £21,000 per client.
Around 3 in 10 new SIPP clients are choosing to invest in the RMPP, rising to 4 in 10 for brand new HL clients, reinforcing the appeal of all-in-one investing solutions for people starting their pension journey.
People are using the RMPP to build the habit of investing regularly. Of the almost 50,000 investors, over 14,000 have a direct debit to invest monthly, with an average monthly investment of around £200.
The Plan has had great appeal to date for younger clients – 54% of investors are under 45. This tallies with more than 80% of RMPP investors being in the Growth phase, compared with 17% who have been automatically moved to the De-risking phase as they are now within 8 years of retirement, and the 1% in the Into Retirement phase. We expect this makeup to shift over time as investors progress through their working lives and into retirement with HL.
Around 60% of HL RMPP investors don’t hold any other investments in their SIPP – it’s being used as the all-in-one retirement solution it’s intended to provide.
In a recent survey of more than 500 clients:
89% of respondents said they would recommend the HL RMPP to friends or family
89% of respondents found it easy to transfer their pension to HL
91% of respondents who recently transferred to RMPP now find it easier to see the value of their pension
Fee-free offer: No account charge or a fund charge until May 2027
HL is currently running a fee-free offer for new and existing HL clients who open an HL SIPP for the first time, making the Ready-Made Pension Plan free until May 2027.
To qualify, open an HL SIPP for the first time before the end of July 2026 and invest in the HL Ready-Made Pension Plan.
The minimum investment amount is a lump sum of £100 or £25 a month. The HL SIPP can be opened by making a contribution or by transferring existing pensions.
There will be no account charge on their HL Ready-Made Pension Plan holding until 30 April 2027.
The fund management charge will be charged at source and then clients will receive a payment at the start of May 2027 to cover this amount.
Full terms are available here: Offer terms
From May 2027, or for existing HL SIPP clients ineligible for the free offer, the standard account charge is 0.15% and the standard fund charge is 0.30% (0.45% in total). It's also free to buy and free to sell online.
Doug Abbott, Chief Product Officer, Hargreaves Lansdown:
“Our Ready-Made Pension Plan is helping almost 50,000 clients build their pension wealth and has now surpassed £1 billion in assets under management in less than three years. It offers clients exclusive access to a market-leading, all-in-one pension managed by HL’s experts, designed to grow their pot over their working lives and automatically derisk as they approach retirement. Many pay an adviser for this kind of service, but tens of thousands of our clients are already using our plan as a simple and great value way to save for their future. This fee-free offer gives new pension clients a chance to contribute and consolidate with no cost until May next year.”
About the HL Ready-Made Pension Plan
The Ready-Made Pension Plan offers a hassle-free way to invest for retirement. It’s professionally managed by HL's experts and designed to grow our clients’ pensions over the long term.
The plan has two stages:
When more than eight years from retirement, the plan is set up for long-term growth. With this timeframe, pension savers can ride out market ups and downs and take on more risk.
As they get closer to retirement, their money is gradually moved into less risky investments to shelter their pension from market fluctuations and get it ready to take an income.
The HL RMPP is made up of two funds: HL Multi-Index Moderately Adventurous and HL Multi-Index Cautious.
It automatically adjusts between the funds as the client gets closer to retirement to help shelter their money – lots of other ready-made pension solutions don’t do this automatic lifestyling.
The HL RMPP is for people who need experts to make the day-to-day decisions, are comfortable with medium-high investment risk for growth and want lower investment risk closer to retirement age. It’s a perfect solution for people who want to take control and consolidate old pensions, but don't know where to invest.
After the offer period, the total yearly charge will return to 0.45%, made up of an account charge of 0.15% and a fund charge of 0.30%. It’s also free to buy and free to sell online.
You can find all the details about the plan online: HL Ready-Made Pension Plan
Notes to Editors
HL is the UK’s largest investment and savings platform for private investors and more than 2.2 million clients trust us with £205 billion (as of June 2026).
We help Britain build wealth, with confidence. Our promise is simple: to provide the best products, the best support and the best value. Founded in 1981, we’ve been helping people save and invest for a better financial future for more than four decades. We offer a lifelong, secure home for our clients’ investments and savings, combining great value with outstanding service, to make managing your money easier at every stage of life.
Our award-winning Savings & Resilience Barometer measures the nation’s financial resilience across our 5 to Thrive pillars, equipping people with the tools they need to strengthen their financial futures.
Saving and investing is for the whole family, and to support intergenerational wealth transfer, we’ve removed all platform charges and share dealing fees on our Junior ISA, meaning kids go free, and we’ve reduced the platform fee on our Lifetime ISA to 0.25%, supporting those savings for their first home or for retirement.
Regular saving into all funds, FTSE 350 shares, and selected investment trusts and ETFs is free.
Our clients also have access to the most comprehensive pension and retirement solution, including SIPP accounts, SIPP Income Drawdown, UFPLS payments and annuities, as well as over 14,000 investment options across funds, shares, ETFs, investment trusts, bonds and gilts.
HL Active Savings is the UK's largest retail cash savings platform that lets savers easily make more of their money and the HL Cash ISA allows savers to manage their Cash ISA portfolio across multiple banks, all within one account.