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Pension Service - Telegraph Media Group - The Telegraph

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src="https://www.telegraph.co.uk/content/dam/financial-services/pensions/pension-lead-image.jpeg?imwidth=160"> </div> </figure> </div> </article> </li> <!-- <div class="sponsored-area grid-col-8 grid-col-sm-8"><div>Provided by </div><img src="https://telegraph.co.uk/content/dam/financial-services/pensions/ProfilePension_white.svg"></div> --> </ul> </section> <section class="article-list art-list-block block-border-top " data-test="article-list-three-col"> <ul class="article-list__list grid"> <li class="article-list__item grid-col grid-col-12 grid-col-6 grid-col-sm-4" style="padding-bottom: 0px;"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Sign up today to receive a personalised pension plan tailored to you:</span> </h3> </div> </article> </li> <li class="article-list__item grid-1-3 grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content center"> <svg width="64" height="64" viewBox="0 0 64 64" fill="none" xmlns="https://www.w3.org/2000/svg" class="diamond"> <rect x="31.8198" width="45" height="45" transform="rotate(45 31.8198 0)" fill="#2F2F2F"/> </svg> <h3 class="list-headline list-headline--premium u-heading-2 " data-track-wrapper="article-list "> <span class="list-headline__text">Find and transfer old pensions</span> </h3> <p class=" e-standfirst--card" itemprop="" data-test="">With support from your dedicated pension adviser at any time if needed.</p> </div> <div class="card-meta"></div> </article> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content center"> <svg width="64" height="64" viewBox="0 0 64 64" fill="none" xmlns="https://www.w3.org/2000/svg" class="diamond"> <rect x="31.9907" width="45" height="45" transform="rotate(45 31.9907 0)" fill="#2F2F2F"/> </svg> <h3 class="list-headline list-headline--premium u-heading-2 " data-track-wrapper="article-list "> <span class="list-headline__text">Start saving into a new pension</span> </h3> <p class=" e-standfirst--card" itemprop="" data-test="">Easily make one-off or regular contributions online.</p> </div> <div class="card-meta"></div> </article> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content center"> <svg width="65" height="64" viewBox="0 0 65 64" fill="none" xmlns="https://www.w3.org/2000/svg" class="diamond"> <rect x="32.4932" width="45" height="45" transform="rotate(45 32.4932 0)" fill="#2F2F2F"/> </svg> <h3 class="list-headline list-headline--premium u-heading-2 " data-track-wrapper="article-list "> <span class="list-headline__text">Plan for your retirement</span> </h3> <p class=" e-standfirst--card" itemprop="" data-test="">With a real-time view of what income your pension could give you.</p> </div> <div class="card-meta"></div> </article> </li> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card-meta"> <p class=" " itemprop="" data-test="">Your pension will continue to be monitored and updated regularly to make sure it's always in the best place for you and you can contact your dedicated pension adviser at any time to discuss your pension.</p> </div> </article> </li> </ul> </section> <section class="article-list art-list-block block-border-top block-border-bottom" data-test="article-list-three-col" style="background: #F8F8F8;"> <ul class="article-list__list grid"> <li class="article-list__item grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">What customers say</span> </h3> </div> <div class="spark-border"> <div id="spark-slider-1" class="spark-slider"> <div class="spark-controls"> <button class="spark-prev"> <svg width="16" height="26" viewBox="0 0 16 26" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M16 0.790029L8.84872 12.6642L16 24.5384L15.1063 25.33L0.802 12.6642L15.1063 0L16 0.790029Z" fill="#222222"/> </svg> </button> <button class="spark-next"> <svg width="16" height="26" viewBox="0 0 16 26" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.790029L7.15128 12.6642L0 24.5384L0.89369 25.33L15.198 12.6642L0.89369 0L0 0.790029Z" fill="#222222"/> </svg> </button> </div> <div class="spark-slides"> <div class="spark-slide"> <p>"The best thing I ever did. My pension has grown more with this company, far more than any other"</p> <span class="author">P.Smith, Jan 2022</span> </div> <div class="spark-slide"> <p>"Profile Pensions were very good and very helpful. They helped me organise my finances and sort out redundant pension plans that were going nowhere. Because of their help, I have a small but much better pension fund"</p> <span class="author">G. O鈥橰ourke, Feb 2022</span> </div> <div class="spark-slide"> <p>"Profile pensions has gathered all my pensions into one now I can see how my pension balance in one place rather than trying to call different companies asking how my pensions are worth. I am very happy I chose them. So if you're thinking of joining them, waste no time. They are professionals"</p> <span class="author">A.Touray, March 2022</span> </div> </div> </div> </div> </article> </li> </ul> </section> <section class="article-list art-list-block" data-test="article-list-three-col"> <ul class="article-list__list grid"> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Affordable and accessible advice</span> </h3> </div> <div class="card-meta"> <p class=" " itemprop="" data-test="">Access your pension plan anytime in your secure online account or speak to your dedicated pension adviser whenever you want.</p> <p class=" " itemprop="" data-test="">Saving for the future has become too complicated, with many consumers <a href="https://www.telegraph.co.uk/financial-services/pensions-advice-service/pension-questions-to-ask/">lacking confidence</a>when making financial decisions. Millions of people are not making the most of their pensions or have lost track of them altogether. Many are unknowingly leaving their old pensions in poor under performing funds with high fees, and those who decide to self-manage often make expensive mistakes.</p> <p class=" " itemprop="" data-test="">Profile Pensions use their impartiality and expert knowledge to give you the right pension plan, choosing the best funds from leading money managers from the whole of the market. Their fees are low, all-inclusive and transparent. The service is online for your convenience, but if you need help or things explained to you in an easy to understand way, you can ask your dedicated pension adviser at any time.</p> </div> </svg> </span> </a> </article> </li> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Impartial advice on your pensions</span> </h3> </div> <div class="card-meta"> <p class=" " itemprop="" data-test="">If you鈥檝e picked up a few workplace pensions or private pensions over the years there鈥檚 a good chance one of your pots isn鈥檛 in a suitable investment, which could cost you thousands.</p> <p class=" " itemprop="" data-test="">These old pensions are invested in the stock market and the likelihood is you had no say or advice on how or where it鈥檚 invested. A poor investment strategy can cost 拢13,000 over 20 years.<sup>1</sup></p> <p class=" " itemprop="" data-test="">By signing up and answering some questions about you, your goals and circumstances, you can get online, impartial advice on where to invest your pensions. Putting your old pensions in a modern, flexible pension with a tailored investment strategy could give your pension pot a much needed boost for retirement.</p> </div> </svg> </span> </a> </article> </li> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Find your old pension pots</span> </h3> </div> <div class="card-meta"> <p class=" " itemprop="" data-test="">With people having an average of 11 jobs in a lifetime, keeping on top of all your pension pots can be hard work.<sup>2</sup> It is estimated that billions of pounds in pension savings have already been lost in the UK. </p> <p class=" " itemprop="" data-test="">Profile Pensions has designed a service to track down your old pension pots. You can <a href="https://www.telegraph.co.uk/financial-services/pensions-advice-service/find-my-pension/">find old workplace pensions</a> and personal pensions and transfer them to your new recommended plan, all in your online account. </p> <p class=" " itemprop="" data-test="">You can find your personal pension provider from the comprehensive list of UK pension providers in your dashboard. </p> </div> <a class="ctaLink ctaButton u-clickable-area__link" data-track-block="" target="_blank" rel="nofollow" href="https://www.profilepensions.co.uk/cp/partner/telegraph/land?utm_source=telegraph.co.uk&utm_medium=referral&utm_campaign=productpage" data-rel=""> <span class="get-started"> Sign up </span> <span class="cta-arrow"> <svg width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.415859L3.76433 6.66625L0 12.9166L0.470425 13.3333L8 6.66625L0.470425 0L0 0.415859Z" fill=""/> </svg> </span> </a> </article> </li> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Set up a new private pension</span> </h3> </div> <div class="card-meta"> <p class=" " itemprop="" data-test="">You don鈥檛 have to transfer old pensions; you can also <a href="https://www.telegraph.co.uk/financial-services/pensions-advice-service/set-up-private-pension/">set-up regular contributions</a> or make a one-off contributions into your recommended pension plan easily online and be confident that your pension savings are invested in the right funds for you.</p> </div> </svg> </span> </a> </article> </li> <li class="article-list__item border grid-col grid-col-12 grid-col-6 grid-col-sm-4" style="border: none;"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">Combine your old pensions into one simple personalised plan</span> </h3> </div> <div class="card-meta"> <p class=" " itemprop="" data-test="">Having multiple old pensions all invested differently with varying charges and possible limited flexibility options when it comes to the time to withdraw from them could prove to be costly. <a href="https://www.telegraph.co.uk/financial-services/pensions-advice-service/how-to-consolidate-pensions/">Moving your pensions</a> to a modern, personalised plan that is tailored to your circumstances could make a big difference to your financial future.</p> </div> <a class="ctaLink ctaButton u-clickable-area__link" data-track-block="" target="_blank" rel="nofollow" href="https://www.profilepensions.co.uk/cp/partner/telegraph/land?utm_source=telegraph.co.uk&utm_medium=referral&utm_campaign=productpage" data-rel=""> <span class="get-started"> Sign up </span> <span class="cta-arrow"> <svg width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.415859L3.76433 6.66625L0 12.9166L0.470425 13.3333L8 6.66625L0.470425 0L0 0.415859Z" fill=""/> </svg> </span> </a> </article> </li> </ul> </section> <section class="article-list art-list-block block-border-top block-border-bottom" data-test="article-list-three-col"> <ul class="article-list__list grid"> <li class="article-list__item grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card__content "> <h3 class="list-headline list-headline--premium u-heading-1 " data-track-wrapper="article-list "> <span class="list-headline__text">What it costs</span> </h3> </div> <div class="card-meta">Sign up and get your personalised recommended pension plan. You鈥檒l be allocated a dedicated Pension Adviser straightaway, to talk through your plan should you want to. You can then choose to transfer your old pensions into your new plan or to add regular or one-off contributions. Your pension will then be managed for you for as long as you require to ensure it鈥檚 always in the right place for you. You鈥檒l have 24/7 access to see your pension鈥檚 performance in your secure online account and you鈥檒l be able to contact your Pension Adviser directly whenever you want to discuss your pension with an impartial expert.</p> <ol style="list-style: initial; margin-left: 15px;"> &nbsp; <li>It's free to join Profile Pensions, which means they won鈥檛 charge you for transferring your old pensions (or for making contributions).</li> <li>With Profile Pensions you will pay a total all-inclusive annual fee of between 0.83% and 0.87% depending on the plan they identify as the best option for you. This includes their ongoing advice service where they regularly monitor and review your pension to make sure it's always in the right place for you.</li> </ol> <a class="ctaLink ctaButton u-clickable-area__link" data-track-block="" target="_blank" rel="nofollow" href="https://www.profilepensions.co.uk/cp/partner/telegraph/land?utm_source=telegraph.co.uk&utm_medium=referral&utm_campaign=productpage" data-rel=""> <span class="get-started"> Sign up </span> <span class="cta-arrow"> <svg width="8" height="14" viewBox="0 0 8 14" fill="none" xmlns="https://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.415859L3.76433 6.66625L0 12.9166L0.470425 13.3333L8 6.66625L0.470425 0L0 0.415859Z" fill=""/> </svg> </span> </a> </article> </li> </ul> </section> <section class="article-list art-list-block" data-test="article-list-three-col"> <ul class="article-list__list grid"> <li class="article-list__item grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card-meta"> <p class=" " itemprop="" data-test=""<b>Capital at risk.</b>This website does not constitute personal advice. If you are in doubt as to the suitability of an investment please contact your Profile Pensions dedicated adviser. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change.</p> <p class=" " itemprop="" data-test="">Prices quoted are correct as at 03/2022 </p> <p class=" " itemprop="" data-test="">Telegraph Media Group is an Introducer Appointed Representative of Profile Pensions, a trading name of Profile Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority. FCA number 596398. Registered in England & Wales, Company Number 07731925. Registered office address: Norwest Court, Guildhall Street, Preston, PR1 3NU. <br /> <br />Find out more about <a href="https://www.telegraph.co.uk/financial-services/about-us/">Financial Solutions by Telegraph Media Group</a></p> </div> </article> </li> </ul> </section> <section class="article-list art-list-block" data-test="article-list-three-col"> <ul class="article-list__list grid"> <li class="article-list__item grid-col grid-col-12 grid-col-6 grid-col-sm-4"> <article data-test="card" data-track="" class="card u-clickable-area card--feature "> <div class="card-meta"> <p class=" e-standfirst--card" itemprop="" data-test=""><sup>*</sup> <a href="https://ilcuk.org.uk/what-its-worth/" target="_blank" rel="nofollow">https://ilcuk.org.uk/what-its-worth/</a></p> <p class=" e-standfirst--card" itemprop="" data-test=""><sup>1</sup>Based on an analysis of CFA-Institute Financial Market History 2016 which shows a reduction in growth of 1.2% per annum when investors had 30% under allocation of equities. Reduction applied to a 拢34,000 pension over 20 years, with 1% charge and 3% & 1.8% growth applied respectively.</a></p> <p class=" e-standfirst--card" itemprop="" data-test=""><sup>2</sup> <a href="https://www.gov.uk/government/news/thousands-more-make-contact-with-long-lost-funds" target="_blank" rel="nofollow">https://www.gov.uk/government/news/thousands-more-make-contact-with-long-lost-funds</a></p> </div> </article> </li> </ul> </section> <style> ul.article-list__list.grid li:last-child { border: none; } .hero-image-laptop530 { max-height: 530px; } .hero-asset__content-wrapper { order: 2; } @media screen and (min-width: 798px) { .sponsor-logo__commercial-img--rectangle { max-width: 300px; } } @media only screen and (min-width: 1280px) { .sponsor-logo__commercial+.sponsor-logo__wrapper .sponsor-logo__img--rectangle { height: 32px; } } </style> <section class="article-list article-list--two-col " data-test="article-list-two-col" data-type-track="two-col"> <div class="article-list__heading "> <div class="article-list__heading-link-wrapper u-separator-bottom--loose " data-test="article-list-heading-link-wrapper"> <h2 class="article-list__heading-title u-heading-1 " data-test="article-list-heading-title">Learn more about Pensions </h2> </div> </div> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 two-col__item two-col__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--two-col__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion card--sponsored "> <div class="card__content " data-test="article-content"> <h2 class="list-headline list-headline--sponsored u-heading-6" data-track-wrapper="article-list Learn more about Pensions"> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/financial-services/pensions-advice-service/pension-questions-to-ask/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">9 key pension questions to ask yourself</span> </span> </a> </h2> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> <time class="card__date" datetime="2023-04-13T14:24:00.000+01:00">13 Apr 2023, 2:24pm</time> </div> </div> <div class="card__sponsored-label u-meta">Sponsored</div> <!-- Save button logic --> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/financial-services/9-Pension-Questions-to-Ask-Yourself-2023.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/financial-services/9-Pension-Questions-to-Ask-Yourself-2023.jpeg?imwidth=160" 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loading="lazy" width="2880" height="1920"/> </div> </figure> </div> </article> </li> <li class="article-list__item article-list__item--1 two-col__item two-col__item--1 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--two-col__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion card--sponsored "> <div class="card__content " data-test="article-content"> <h2 class="list-headline list-headline--sponsored u-heading-6" data-track-wrapper="article-list Learn more about Pensions"> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/financial-services/pensions-advice-service/find-my-pension/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to find lost pensions with an NI number</span> </span> </a> </h2> <div 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data-height="518" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=160 160w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=210 210w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=320 320w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=350 350w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=480 480w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=640 640w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=680 680w, /content/dam/financial-services/pensions/pension%20options%20at%2055%202022.jpg?imwidth=960 960w" data-js="LazyImage" sizes="(min-width: 1440px) 210px, (min-width: 768px) 15vw, 33.333vw" alt loading="lazy" width="720" height="518"/> </div> </figure> </div> </article> </li> </ul> </section> <div class="htmlEmbed section"><div class="html-embed component "> <div class="component-content"> <style> .html-embed.component {margin-bottom: 0;} /*.spark-slot4 */ .ctaButton { display: flex; height: 48px; background: #222222; font-family: Telesans Text; font-style: normal; font-weight: normal; font-size: 16px; line-height: 48px; text-align: center; color: #FFFFFF; /* justify-content: space-evenly; */ align-items: center; width: 100%; max-width: 190px; text-decoration: none; } .ctaButton span{ } .get-started { width: 80%; background-color: #17183B; } .no-pad { padding-bottom: 0 !important; } .cta-arrow { width: 20%; background-color: #EF5F9E; } .hero-image-laptop, #hero-image-laptop { max-height: 410px; object-fit: cover; } .ctaLink { margin: 15px 0; color: #fff } .ctaLink path { fill: #fff; } .ctaLink:hover, .ctaLink:hover path { background: #494949; color: 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