Pension Portfolio - the flexible pension plan

Pension Portfolio carefully blends a personal pension, a range of investment options and an integrated drawdown facility to suit your clients' needs.

You can tailor each plan to suit your clients' retirement goals today, with the ability to adapt them as their needs change.

With Pension Portfolio, your clients will have a range of flexible options, including:

• Flexibility on how much they save and how often they make contributions
• The option to make regular contributions flexibly. Your client can also decide to pay in additional money or consolidate with other pensions
• When the time comes, your clients can choose from a range of retirement income options to suit their needs
• Our Defaqto 5-star rated integrated drawdown facility - Income Release - lets your clients move seamlessly into drawdown from within the same plan.

Download our Pension Portfolio guide

Our wide range of investment options aim to meet the needs of all your clients.

The Governed Range

Our Governed Range is at the heart of our investment options. It's a suite of 14 risk-graded multi-asset portfolios and strategies that comes with responsible investment and robust governance at no extra cost to your clients.

The Governed Range includes:

• Our Governed Portfolios, for clients who are saving for retirement. Our nine risk-graded Governed Portfolios take into account your client's attitude to risk and term to retirement
• Our range of five Governed Retirement Income Portfolios (GRIPs), for clients in drawdown, factor in what risk they need to take in order to achieve their desired level of income
• Our Flexible Lifestyle Strategies, which are designed for clients who have a specific retirement goal in mind – like taking cash, buying an annuity or enjoying a regular income.

Fund range

We offer a wide range of over 180 funds, from 29 fund managers, with the option to select auto-rebalancing.

More about our investment options

We'll reward your clients for saving with us by reducing our annual management charge (AMC) as the value of their pension savings grow - making us easy for you to recommend.

Download our charges guide (PDF)

Comprehensive adviser charge (AC) options 

It's easy for your clients to pay for the services you provide. Once you’ve agreed a suitable charge, we’ll automatically pay you from their pension savings.

Also, from initial charges to ongoing payments, we’ve layered your charging options with lots of flexibility, so you can tailor the right structure for each client. 

Learn more about adviser charges

We believe the key to delivering an outstanding experience for you and your clients is great people, backed by smart technology. That's why our pension service has won 5-stars at the Financial Adviser Service Awards - 13 years in a row.

Here's what you can expect from us:

• When you do business with us, we'll give you a dedicated contact. They'll manage our relationship with you. They'll work alongside our expert teams - including our Business Support Unit - to make sure you get the support you need, when you need it
• Our sophisticated online tools and services can help you save time and money, all while helping to add value to the services you offer your clients
• Our mobile app (opens in a new window) enables your clients to keep track of their pension savings at any time
• Our online service enables you to clearly and quickly administer your clients' plans.
  
  

Find out how we can support you

When we do well, we aim to boost our customers' pensions savings by adding a share of our profits to their plan each year - we call it ProfitShare.

Since we made our first ProfitShare award in April 2017, we've rewarded qualifying customers with a share of £861 million of our profits.

Here's a look at our past ProfitShare awards:

The ProfitShare amounts shown include awards made to With Profits customers.

ProfitShare isn't guaranteed. Your clients could get more or less than this.

More about ProfitShare and who qualifies

If your clients take out a unit-linked pension plan with us (including Pension Portfolio), they'll automatically qualify for membership under the terms of our Articles of Association.

Our With Profits customers also benefit from ProfitShare. We work out their ProfitShare in a different way, and you can find out more in the Royal London With Profits fund leaflet (PDF).

Learn more about ProfitShare