Exclusive client offer. Pocket a £200 voucher when you open a SIPP with £10,000+ by 10 December. Terms apply. Learn more
HL Ready-Made Pension Plan
Your pension, in expert hands
A ready-made investment option, run by experts, designed to take the hassle out of managing your pension investments
Aims to grow your pension investments over the long term
A unique plan that automatically adjusts risk to help shelter your money as you approach retirement
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 over eight years from retirement, your money is invested in the HL Multi-Index Moderately Adventurous Fund, focused on long-term growth.
As you near retirement, we gradually move your investment into the HL Multi-Index Cautious Fund to help shelter your pension from market volatility.
The plan is available through our award-winning HL Self-Invested Personal Pension (SIPP).
Pocket your £200 John Lewis voucher
Add £10,000 or more to a new HL SIPP and you’ll get a £200 John Lewis e-voucher on us.
To qualify:
You must be an existing HL client and not already hold an HL SIPP.
Open your account with a cash payment or start your pension transfer by 10 December 2025.
If transferring, your pension must be received by us by 31 January 2026.
Need more time for your transfer to complete? Contact us for a transfer extension. You'll then have until 28 February 2026 to start your transfer and until 30 April 2026 for your transfer to complete.
We’ll email your voucher by 14 March 2026, or 10 June 2026 if you requested a transfer extension. See full terms
It’s free to transfer to us. Check for exit fees from your current provider and whether you’d lose any valuable benefits.
If you transfer money out of your SIPP before 31 January 2026 (30 April 2026 for extensions), you won’t receive the voucher if this takes your account balance below £10,000.
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.
Get started today
Open an HL SIPP
To get started, you'll need to open an HL Self-Invested Personal Pension (SIPP).
You can open your SIPP with a lump sum of £100 or set up a regular saving of £25 a month. Choose the Ready-Made Pension Plan as part of the application.
Already hold an HL SIPP
Log in to your account, select your SIPP, search for the Ready-Made Pension Plan and enter the amount you want to invest. You’ll see full charges and key features before confirming.
Transfer pensions to HL
Move your old pensions to the HL SIPP and choose the Ready-Made Pension Plan during your transfer application.
It's free to transfer to us, but check for loss of benefits, guarantees, and any exit fees before you transfer.
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.
No hidden charges
0.75%
The total annual charge for investing in the HL Ready-Made Pension Plan through the HL SIPP is 0.75%. This includes a 0.30% fund charge, which covers the cost of managing the plan and underlying investments, and an HL standard account charge of up to 0.45%. There are no upfront fees or hidden costs, and charges are taken monthly from your SIPP.
Award-winning service
Over 200 awards, including 'Best Investment App' and 'Best for Customer Service' for 2025.
Over 40 years experience
We’ve been helping people to save and invest for a better future since 1981.
Ready to help
Our UK-based team answers calls in under a minute and provides help and ongoing support 6 days a week.
"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.