{"id":452629,"date":"2022-07-15T11:36:25","date_gmt":"2022-07-15T10:36:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=452629"},"modified":"2026-02-12T11:38:08","modified_gmt":"2026-02-12T11:38:08","slug":"moneyfarm-pension-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/moneyfarm-pension-review","title":{"rendered":"Moneyfarm pension review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.moneyfarm.com\/uk\/pension\/\" class=\"luna-button luna-button--primary\">Return to Moneyfarm<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate Moneyfarm pension?\");\n$(\"#user-review-promo-copy\").html(\"Used Moneyfarm pension? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Founded in Italy in 2012, wealth management platform Moneyfarm branched out into the UK in 2016. It offers a few types of investment accounts, including a general investment account, a stocks and shares ISA, a junior ISA and a personal pension. Read on to find out more about the Moneyfarm pension, including investment options, fees and how to get started.<\/p><h3>What is Moneyfarm?<\/h3><p>Moneyfarm is an online and app-based investment platform. Like rival <a href=\"https:\/\/www.finder.com\/uk\/pensions\/nutmeg-pension-review\">Nutmeg<\/a>, Moneyfarm is a <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/robo-advisors\">robo-advisor<\/a>. While this may sound futuristic, in practice what it means is that it uses a clever algorithm to recommend an investment portfolio based on your answers to a questionnaire and invests your money in line with this. 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<\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: How does Moneyfarm\u2019s pension work?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"You need at least \u00a3500 to open a Moneyfarm pension. You can either contribute this directly or fund your account via a transfer from another pension scheme. This minimum is higher than some other challenger pension providers, so might not be as suitable if you want to build up your personal pension more gradually.<\/p><p>As with any other personal or workplace pension, with Moneyfarm\u2019s pension, you benefit from <a href=\"https:\/\/www.finder.com\/uk\/pensions\/are-pension-contributions-taxable\">tax relief on pension contributions<\/a> up to your pension annual allowance.<\/p><p>Moneyfarm markets its pension as a SIPP, but in practice, it operates more like a regular <a href=\"https:\/\/www.finder.com\/uk\/pensions\/private-pension\">personal pension<\/a>. Most <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">SIPPs<\/a>, such as the SIPP offered by <a href=\"https:\/\/www.finder.com\/uk\/pensions\/vanguard-pension-review\">Vanguard<\/a>, let you select and manage the specific investments within your pension portfolio. You can\u2019t do this with Moneyfarm.<\/p><p>Instead, once you\u2019ve chosen your portfolio (based on its questionnaire), your money is invested in line with the assets Moneyfarm has selected for that portfolio; you can\u2019t customise it. This makes it more akin to the type of personal pension offered by <a href=\"https:\/\/www.finder.com\/uk\/pensions\/pensionbee-review\">PensionBee<\/a>, for example, which specifically says it\u2019s aimed at those that prefer a more hands-off approach to pension saving.<\/p><p>Once you\u2019ve been matched with a portfolio \u2013 assuming you decide to go ahead \u2013 Moneyfarm manages and rebalances your portfolio on your behalf over time. If you\u2019re not convinced at the outset that Moneyfarm has matched you with the right portfolio, you can speak with one of its investment advisors.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Zoe Stabler DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/ZoeStablerF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/zoestabler\" itemprop=\"url\" target=\"_blank\">\n                                Zoe Stabler DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Senior writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>What pension portfolios are available from Moneyfarm?<\/h3><p>While some pension providers have snazzily named portfolios, such as \u201cMatch\u201d, \u201cSmart Alpha\u201d or \u201cFuture Planet\u201d, Moneyfarm simply numbers its portfolios from 1 (the lowest risk) to 7 (the highest risk). Regardless of the number, your portfolio will be made up of <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\">exchange traded funds<\/a> (ETFs), which are listed on stock exchanges and track the performance of a pool of investments or an index.<\/p><p>Some ETFs will track higher-risk investment pools or indexes than others, so the make-up of each portfolio will vary based on this. Portfolio 1, for example, contains a high proportion of lower-risk ETFs based around government and corporate bonds, while Portfolio 7 deprioritises these in favour of higher-risk stock market investments.<\/p><p>ETFs are, by their nature, passively managed and designed simply to track an index. This has pros and cons. It keeps management costs down compared to actively managed funds. But you will never be able to beat the index. That said, actively managed funds often fail to beat the index anyway and run the risk of performing worse than the index.<\/p><h4>Moneyfarm pension portfolios<\/h4><p>We\u2019ve detailed what type of investments each portfolio is made up of below. You can find out more about the portfolios and how they have performed in the past on the Moneyfarm website.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Portfolio number<\/th><th scope=\"col\">1<\/th><th scope=\"col\">2<\/th><th scope=\"col\">3<\/th><th scope=\"col\">4<\/th><th scope=\"col\">5<\/th><th scope=\"col\">6<\/th><th scope=\"col\">7<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Cash and short-term government bonds<\/td><td>39%<\/td><td>22%<\/td><td>11%<\/td><td>7%<\/td><td>7%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td>Developed markets government bonds<\/td><td>19%<\/td><td>25%<\/td><td>17%<\/td><td>13%<\/td><td>12%<\/td><td>14%<\/td><td>9%<\/td><\/tr><tr><td>Inflation-linked bonds<\/td><td>9%<\/td><td>7%<\/td><td>8%<\/td><td>5%<\/td><td>0%<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td>Investment grade corporate bond<\/td><td>25%<\/td><td>14%<\/td><td>16%<\/td><td>11%<\/td><td>6%<\/td><td>3%<\/td><td>0%<\/td><\/tr><tr><td>High-yield and emerging markets bonds<\/td><td>6%<\/td><td>14%<\/td><td>15%<\/td><td>14%<\/td><td>9%<\/td><td>7%<\/td><td>4%<\/td><\/tr><tr><td>Developed markets stocks and shares<\/td><td>0%<\/td><td>15%<\/td><td>26%<\/td><td>39%<\/td><td>51%<\/td><td>60%<\/td><td>70%<\/td><\/tr><tr><td>Emerging markets stocks and shares<\/td><td>0%<\/td><td>0%<\/td><td>1%<\/td><td>6%<\/td><td>8%<\/td><td>10%<\/td><td>11%<\/td><\/tr><tr><td>Commodities and real estate<\/td><td>0%<\/td><td>2%<\/td><td>4%<\/td><td>5%<\/td><td>5%<\/td><td>5%<\/td><td>5%<\/td><\/tr><tr><td>Cash<\/td><td>2%<\/td><td>2%<\/td><td>2%<\/td><td>2%<\/td><td>2%<\/td><td>2%<\/td><td>2%<\/td><\/tr><\/tbody><\/table><h3>How do I apply for a Moneyfarm pension account?<\/h3><p>Applying for a Moneyfarm pension should be fairly quick and hassle-free. You\u2019ll need to do the following:<\/p><ul><li>Set up an account online by navigating to Moneyfarm\u2019s pension page and clicking \u201cGet started\u201d. You\u2019ll need to provide a few personal details.<\/li><li>Fill in Moneyfarm\u2019s investor profile questionnaire so it can recommend an appropriate portfolio.<\/li><li>Open its recommended portfolio (or, if you\u2019re not happy with it, get in touch with one of Moneyfarm\u2019s investment advisors).<\/li><li>Fund your account, either by initiating a transfer or contributing by Direct Debit.<\/li><\/ul><p>It may also be possible for your employer to make contributions to your Moneyfarm pension, depending on the arrangement you have with it. There\u2019s a form available online to start this process.<\/p><h3>Can I transfer another pension to Moneyfarm?<\/h3><p>Yes. If you have other pensions and want to consolidate them into a single scheme \u2013 whether that\u2019s to save money on fees or just to keep life simple \u2013 you can usually transfer them to Moneyfarm.<\/p><p>There\u2019s a form you need to fill out to do this (online or in the app). You\u2019ll need to supply the following information:<\/p><ul><li>Your current provider\u2019s name<\/li><li>Your pension account number<\/li><li>The pension value<\/li><li>The valuation date<\/li><\/ul><p>You should be able to find all of these details on your latest pension statement from your other provider(s).<\/p><p>Moneyfarm will handle the rest. It deals with your current providers on your behalf to transfer your pensions to your Moneyfarm account. Moneyfarm doesn\u2019t charge any transfer fees, but bear in mind that your existing provider may charge exit fees. Watch out for these, as they could reduce the benefit of switching.<\/p><p>Transfers usually take between 3 and 4 weeks.<\/p><p>One caveat \u2013 you can only transfer <a href=\"https:\/\/www.finder.com\/uk\/pensions\/defined-contribution-pension-schemes\">defined contribution<\/a> pensions (including both personal and workplace pensions) and only if you haven\u2019t started to draw an income from them. You can\u2019t transfer <a href=\"https:\/\/www.finder.com\/uk\/workplace-pensions#what-types-of-workplace-pension-are-there\">defined benefit workplace pensions<\/a>.<\/p><h3>What fees will you pay for a Moneyfarm pension?<\/h3><p>Moneyfarm charges a tiered annual management fee, which gets lower as the total value of your pension increases, as outlined in the table below<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Value of pension<\/th><th scope=\"col\">Charge<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">\u00a3500 \u2013 \u00a310,000<\/th><td>0.75%<\/td><\/tr><tr><th scope=\"row\">\u00a310,001 \u2013 \u00a319,999<\/th><td>0.70%<\/td><\/tr><tr><th scope=\"row\">\u00a320,000 \u2013 \u00a349,999<\/th><td>0.65%<\/td><\/tr><tr><th scope=\"row\">\u00a350,000 \u2013 \u00a399,999<\/th><td>0.60%<\/td><\/tr><tr><th scope=\"row\">\u00a3100,000 \u2013 \u00a3249,999<\/th><td>0.45%<\/td><\/tr><tr><th scope=\"row\">\u00a3250,000 \u2013 \u00a3499,999<\/th><td>0.40%<\/td><\/tr><tr><th scope=\"row\">\u00a3500,000+<\/th><td>0.35%<\/td><\/tr><\/tbody><\/table><p>You\u2019ll also need to pay fund management fees, which are factored into the performance of your investments by the ETF providers. The figures below are averages; your fees will vary depending on the specific funds you hold.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Fee name<\/th><th scope=\"col\">What\u2019s it for?<\/th><th scope=\"col\">Fee amount<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fund fee<\/th><td>This is the fee charged by the providers of the ETFs to manage the funds.<\/td><td>0.20%<\/td><\/tr><tr><th scope=\"row\">Market spread<\/th><td>This is the difference between the buying and selling price for investments at a given time.<\/td><td>0.10%<\/td><\/tr><\/tbody><\/table><h3>Moneyfarm customer reviews<\/h3><p>As of June 2022, there are more than 700 customer reviews of Moneyfarm on the Trustpilot website. These reviews apply to its overall investment service rather than being just for its pension.<\/p><p>Overall, Moneyfarm does pretty well. It has an overall score of 4.5 out of 5, and 74% of its reviewers rate it as excellent. Some of the latest top-mark reviews mention its clarity, ease of use and good customer support.<\/p><p>Not everyone has such glowing feedback, though only 3% of reviewers rate is as downright bad. Reservations include higher charges compared to rivals and variable customer service. Some reviewers were also frustrated by disappointing investment performance. While Moneyfarm has some control over this through its choice of where to invest your money, high market volatility can also impact the performance of your investments regardless of where you hold them.<\/p><h3>Does Moneyfarm have an app?<\/h3><p>Yes. Moneyfarm\u2019s app is available for either Android or iOS. The app lets you track investment performance, top up your account or initiate a transfer from another provider.<\/p><p>Most users of the app seem to like it. It gets a rating of 4.7 out of 5 on Apple\u2019s App Store and 4.4 out of 5 on the Google Play store.<\/p><h3>Pros and cons of Moneyfarm<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Quick, simple set-up; easy to monitor your account online or via the app<\/li>\n                                    <li>No exit fee if you want to transfer your pension away from Moneyfarm<\/li>\n                                    <li>Investor profile questionnaire makes choosing a portfolio easier for novice investors.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Minimum \u00a3500 initial contribution may put off those just starting out with a pension.<\/li>\n                                    <li>Annual fees are fairly high for those with small pensions; you need to have more than \u00a3500,000 to benefit from its lowest fees<\/li>\n                                    <li>Doesn't offer the control and investment range of many SIPPs. May not be suitable for more sophisticated investors.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>Despite the name, Moneyfarm isn\u2019t a SIPP as most people would understand it. So if you\u2019re an experienced investor looking for a pension that gives you nuanced control and access to less mainstream investments, it\u2019s worth checking <a href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\">alternative SIPP options<\/a>. But if you\u2019re happy (or grateful) to be guided towards the right portfolio and let Moneyfarm take charge of looking after your investments and can afford the \u00a3500 up-front contribution, it could be worth a look. Check how Moneyfarm compares to other personal pension providers in our <a href=\"https:\/\/www.finder.com\/uk\/pensions#compare\">pension comparison<\/a>.<\/p><h3 id=\"wealthsimple\">Moneyfarm partners with Wealthsimple<\/h3><div class=\"importantText importantText__callout\">\n  <p>Wealthsimple has left the UK market and is no longer supporting investment services in the UK. If you\u2019re an existing Wealthsimple customer, Wealthsimple will transfer your eligible funds to Moneyfarm. <\/p>\n<\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I add an existing pension to Moneyfarm?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> With most pensions, yes. You can usually transfer any <a href=\"https:\/\/www.finder.com\/uk\/pensions\/defined-contribution-pension-schemes\">defined contribution pension<\/a> scheme to Moneyfarm, including other SIPPs, personal pensions and workplace pensions. You should watch out for exit fees on existing schemes and also check for any benefits that you might lose by switching \u2013 such as a guaranteed annuity rate (GAR). You can\u2019t transfer defined benefit schemes to Moneyfarm. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is there a minimum contribution level to open a Moneyfarm pension scheme?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Yes. To open a Moneyfarm pension, you need to pay a minimum of \u00a3500 at the outset. This can come from your bank account or a transfer from another pension. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is my pension safe with Moneyfarm<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> As with any investment, your capital is at risk because the value of investments can go down as well as up in line with market volatility. But Moneyfarm is authorised and regulated by the Financial Conduct Authority (FCA), so your money is as safe as with any other regulated investment firm. Moneyfarm pensions are also covered by the UK <a href=\"https:\/\/www.fscs.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Services Compensation Scheme<\/a> (FSCS). This means that should the firm go bust, you should be able to claim compensation for any lost pension savings up to a maximum of \u00a3120,000. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I use my Moneyfarm account to take income from my pension when I retire?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Yes. One of the choices you can make when you retire is to leave your money invested in a pension drawdown account and take an income as and when you need to. Moneyfarm offers a drawdown service for no additional charge compared to what you were paying previously. This doesn\u2019t mean Moneyfarm, or even drawdown, is the best choice for you once you\u2019ve retired though. Read our full guide to <a href=\"https:\/\/www.finder.com\/uk\/pensions\/pension-drawdown\">pension drawdown<\/a> to find out more. If you\u2019re approaching retirement and want some help making a decision, you can book a free guidance session with <a href=\"https:\/\/www.moneyhelper.org.uk\/en\/pensions-and-retirement\/pension-wise\" target=\"_blank\" rel=\"noopener\">Pension Wise<\/a>. Or, for more tailored advice, speak to a regulated <a>financial adviser<\/a>. <\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>We outline the pros and cons of Moneyfarm&#8217;s personal pension to help you decide if it&#8217;s the right home for your retirement savings. 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