Tax year ends 5 April / days to go
HL Ready-Made Pension Plan
A Ready-Made Pension Plan, managed by our experts
Little effort, big potential – sit back and let our experts manage your investments
Our low-cost Ready Made Pension Plan is exclusively available within our award-winning SIPP
Built to grow your pension over time, and automatically prepares your investments for retirement as you get older
Before you invest in the HL Ready-Made Pension Plan: investments usually outperform cash savings over 5+ years. But values rise and fall, so you could get back less than you invest. You'll usually need to be at least 55 (rising to 57 from 2028) before you can access the money in your pension. Before transferring a pension please check for any exit penalties and loss of valuable guarantees. If you're not sure what's best for your situation, you should ask for financial advice. This investment is managed by our sister company Hargreaves Lansdown Fund Managers Ltd.
Before you invest in the HL Ready-Made Pension Plan: investments usually outperform cash savings over 5+ years. But values rise and fall, so you could get back less than you invest. You'll usually need to be at least 55 (rising to 57 from 2028) before you can access the money in your pension. Before transferring a pension please check for any exit penalties and loss of valuable guarantees. If you're not sure what's best for your situation, you should ask for financial advice. This investment is managed by our sister company Hargreaves Lansdown Fund Managers Ltd.
What is the Ready-Made Pension Plan?
The Ready-Made Pension Plan offers a hassle-free way to invest for your retirement. Professionally managed by HL's experts, it’s designed to grow your pension over the long term. The plan automatically adjusts as you get closer to retirement to help shelter your money.
Managed by experts
HL's award-winning research team handles the investments for you, making it easy and hassle-free to invest for your future.
Growth potential
The Ready-Made plan is designed to take more risk when you're younger - helping your pension grow over time.
Automatic de-risking
As retirement gets closer, the plan moves into lower-risk investments to help shelter your savings.
How the HL Ready-Made Pension Plan works
The plan has two stages that align with your retirement timeline.
If you’re more than eight years from retirement, the plan is set up for long-term growth. With time on your side, it can ride out market ups and downs and take on more risk.
As you get closer to retirement, your money is gradually moved into less risky investments to shelter your pension from market fluctuations and help prepare you to take an income.
The Plan offers an easy way to invest but it’s not personal advice. You’ll need to check in from time to time to make sure the plan still meets your needs.
Get started today
To invest in the Ready-Made Pension Plan, open a SIPP and choose the plan during your application.
You can invest from £25 a month, make a one-off payment of £100+, or transfer old pensions. Transfers are free, but check for any lost benefits, guarantees, or exit fees first.
45 years’ experience. 2 million clients. The UK's #1 investment and savings platform.
We’ve been helping Britain invest through it all since 1981.
Since then, we’ve won over 200 awards, including ‘Best Investment App’ and ‘Best for Customer Service’ for 2026.
Our clients trust us with over £172bn of their pensions, investments and savings.
Ready-Made Pension Plan costs
0.45%
It's free to open a SIPP.
There is an account charge of 0.15% and a fund charge of 0.30% (0.45% in total). It's free to buy and free to sell online.
There are no upfront fees and charges are taken monthly from your SIPP.
Award-winning service
Over 200 awards, including ‘Best Buy Pension 2026’ and 'Best for Customer Service' for 2026.
45 years' experience
Since 1981, we’ve helped Britain invest through it all.
Ready to help
Our UK-based team is available six days a week to answer calls and provide ongoing help and support.
The plan is designed for people who:
Need experts to make the day-to-day decisions
Are comfortable with medium-high investment risk for growth
Want lower investment risk closer to retirement age
Can review your investments at least once a year
Want to take control and consolidate old pensions, but you don't know where to invest
This isn’t personal advice. If you’re not sure what’s right for you, ask for financial advice. Investments can rise and fall in value, so you could get back less than you invest. Tax rules can change, and benefits depend on your circumstances.
Build your HL pension your way
You can invest 100% of your money in the Ready-Made Pension Plan for a simple, hands-off approach. Or mix and match – using the plan for part of your portfolio and choose other funds or shares for the rest.
We'll manage the part invested in the plan. Any other investment you choose is your responsibility to manage.
Get started today
To invest in the Ready-Made Pension Plan, you’ll need to open a SIPP.
You can add money or transfer old workplaces pensions, then choose to invest in the plan as part of your application.
"I jumped at the chance of having a solution managed by experts"
"I’m not necessarily an experienced investor so I jumped at the chance of having a solution managed by experts. This also means I don’t have to keep an eye on its performance every day. It has made my life much easier, and it’s put my mind at ease knowing that the plan automatically de-risks my investments for me as I approach retirement."
Khalid, HL SIPP client
We've won over 200 awards for our services
The plan is administered by Hargreaves Lansdown Asset Management Ltd and the underlying funds are managed by Hargreaves Lansdown Fund Managers Ltd, both part of the Hargreaves Lansdown Group. If you invest, HL will benefit from the fund management charge, as well as the HL account charge.