Hargreaves Lansdown

Hargreaves Lansdown: Pensions & retirement options

The leading financial services company can help you build your pension pot in preparation for retirement.

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Hargreaves Lansdown SIPP

Take control over your financial future with Hargreaves Lansdown

  • Pay in up to £40,000 a year and get tax relief
  • Start your SIPP from £25 a month
  • Transfer your pension from other providers easily

Hargreaves Lansdown (HL) is a leading “investment supermarket” for private investors. Trusted with £82 billion worth of investments by more than 980,000 clients, HL is well known in the UK.

With HL, you can start a self-invested personal pension (SIPP) to begin growing your pension pot. Or, if you’re approaching retirement age, HL offers three retirement income options: annuity, drawdown, or a mix-and-match approach.

Read on to find out more about HL, and whether it might provide the right pension arrangements for you.

What does Hargreaves Lansdown do?

By giving you the tools and information, HL aims to help you make your own educated decisions. From the website to the app, to the specialised helpdesk, HL’s goal is to make it easy for you to manage your investments and pensions.

For those looking to save for retirement, HL offers:

  • Vantage SIPP (self-invested personal pension)

For those who are about to retire, HL offers:

  • Annuity (a guaranteed income for life, in return for a pot of pension savings)
  • Drawdown (where you “draw down” funds from your invested pension pot to give you an income)
  • UFPLS (“uncrystallised funds pension lump sums” – where you take money from parts of your pension not previously accessed)

Hargreaves Lansdown’s Vantage SIPP

SIPPs are one of the most tax-efficient ways for you to save for retirement. With HL’s SIPP, you stay in control of your pension online 24/7. There are tools, research information, and watchlists which you can call upon to help make decisions at any time.

  • Manage online, by phone, by post, or through the HL app
  • ‘What Investment’ readers have voted HL ‘Best SIPP Provider’ for 10 consecutive years
  • Choose from a wide range of investments
  • Easily transfer old pensions to a SIPP
  • 6 days-a-week call service to answer any questions
  • Flexible access allows you to take money out from age 55 (57 from 2028)

Learn more about Hargreaves Lansdown’s retirement options

How safe is my investment?

HL is a FTSE 100 company that has been managing investments for more than 35 years. It’s regulated by the Financial Conduct Authority (FCA) and is bound by its rules on investment business.

Compare SIPP providers

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Name Product Brand description Min investment Min monthly investment Number of funds Transfer available Offer Link
Interactive Investor SIPP
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Transfer your pension(s) before 31 October and get up to £1,000 cashback, plus pay no fee for your first 6 months. Terms apply. Capital at risk.

Capital at risk

Platform details
Freetrade SIPP

Capital at risk

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Hargreaves Lansdown SIPP
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.

Capital at risk

Platform details
Penfold SIPP
4 Portfolios
Bonus of up to £1000 for your pension when tranferring to Penfold

Capital at risk

Platform details
Moneyfarm SIPP
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.

Capital at risk

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AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.

Capital at risk

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Saxo Markets SIPP
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.

Capital at risk

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Compare up to 4 providers

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

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