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 over £172 billion worth of investments by more than 2 million 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:

  • SIPP (self-invested personal pension)
  • Lifetime ISA
  • Junior SIPP

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
  • HL has won over 200 awards, 9 in 2026 (as of July 2026) for their products and customer service
  • 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 has been managing investments for more than 40 years. It’s regulated by the Financial Conduct Authority (FCA) and is bound by its rules on investment business.

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£100
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2500
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£0
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£1
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£2
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Charles Stanley SIPP
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Showing 7 of 7 results
Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.
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Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio

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Emily has written 100 Finder guides across topics including:
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