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, like regulars. Your client can also decide to pay in additional money or consolidate 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 (PDF)

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 risk-graded multi asset portfolios and strategies that comes with a responsible investment approach and robust governance at no extra cost to your clients.

The Governed Range includes:

• Our risk-graded Governed Portfolios let you take into account how much investment risk your clients are comfortable with
• 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 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 funds, managed by Royal London Asset Management and other investment managers, with the option to select auto-rebalancing.

More about our investment options

Our annual management charge (AMC) percentage reduces as the value of your client’s plan grows.

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 smart technology, backed by brilliant people. 

Here's what you can expect from us:

• 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 online service has everything you need to manage your clients’ plans. With quicker quotes and instant online applications, you can save time and cut down on paper
• Our mobile app (opens in a new window) enables your clients to keep track of their pension savings at any time
• 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.

Find out how we can support you

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

Since April 2017, we've boosted our customers' pension savings every year - sharing over £1.3 billion of our profits with qualifying customers.

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

Remember that 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