Ethical Pensions (Personal Pensions, SIPPs & Company Pensions)

Start a new ethical pension or transfer existing pensions into ethical investments and achieve your retirement objectives while having a positive impact on the planet.

We offer FCA regulated, independent financial advice specialising in ethical investments and only recommend carefully selected, leading ethical pension providers, ethical pension funds and model portfolios with proven track records of influencing positive change while generating competitive returns.

Grow your pension while avoiding:

  • Fossil Fuels
  • Weapons
  • Tobacco
  • Environmentally Destructive Industries
  • Companies with poor human rights records

As economies around the world begin to ‘decarbonise’ and lay foundations for a more sustainable future, we believe conditions will favour investments aligned with those goals.

Get in touch for a free review of your existing pensions. Speak to one of our advisers on 023 8000 3456 , email: help@ethical.money or complete the enquiry form.

Get in touch today:

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What we can do for you

We can help you set up a new ethical pension plan or provide a free review of existing pensions and help you switch them into sustainable investments.

For new pension savers we will explain the process, answer all your questions and guide you through the set up with reports, calculations and projections.

If you have existing pensions a review can reveal how well your investments have performed, what to expect in the future and also confirm they still match your preferred level of investment risk.

Where possible we will try to highlight how much of your existing pension is invested in undesirable sectors (fossil fuels, tobacco, weapons etc.) and any large holding in companies you may prefer to avoid.

We can then compare your existing investments with ethical alternatives to see if you can make some changes and still achieve your objectives.

 

Investment Options

Investment options have been carefully selected based on ethical credentials and include:

Ethical Pension Funds – from respected fund managers with a track record of positive engagement and solid performance

Ethical Model Portfolios – ‘off the shelf’ portfolios containing a range of ethical funds. (ESG, SRI & Impact portfolios are available to suit a variety of ethical preferences).

Bespoke Portfolios – for high net worth investors. A portfolio constructed just for you. (Semi-bespoke portfolios over £200k, fully bespoke over £500k).

Ethical funds and portfolios can exclude fossil fuels, weapons, gambling, tobacco etc. and then apply a further ‘screening’ process to remove heavy polluters, human rights abusers and companies with poor management ethics.

We can help you choose from some of the best known ethical funds, ready-made portfolios (that use a blend of ethical approaches – ESG + SRI etc.) or ‘Impact Investing’ funds and portfolios that only invest in businesses actively solving the many problems facing our world.

Ethical funds and portfolios have shown competitive performance compared to non-ethical equivalents and the running costs are equally competitive.

There is no need to compromise on cost or investment performance.

Whether you have an existing pension or would like to start a new ethical personal pension, SIPP or company scheme, we are here to help.

 

Ethical Pension Providers

There are a great many providers of ethical funds and portfolios offering a diverse range of solutions to meet a wide variety of investor needs and preferences.

We have carefully selected some of the best known and most highly regarded providers so you can be confident we only recommend good quality investment solutions.

Some of the ethical pension providers we use are:

Platform:

Liontrust (funds)

Royal London (funds)

Rathbone (funds & model portfolios)

Parmenion (model portfolios)

EQ Investors (model portfolios)

Tribe Impact Capital (model portfolios)

Life Insurance Companies:

Royal London (direct to provider)

Bespoke Portfolio Service:

Rathbone Greenbank (bespoke portfolio)

Cannacord Genuity (bespoke portfolio)

EQ Investors (bespoke portfolio)

Tribe Impact Capital (bespoke portfolio)

How to Create an Ethical Pension

Pensions are a tax efficient way of saving for your retirement. They can be held with insurance companies, investment management firms, or on a ‘platform’ (a secure online account).

Most of these will have a selection of funds or ready-made portfolios to choose from and invest in, and these can be placed in your pension.

As we become more aware of the impact certain companies and industries are having on the planet, demand has given rise to more ‘ethical’ funds and portfolios.

Many ethical funds and portfolios now exist and there are many different methods used to create them.

ESG (environmental, social, governance) pension funds will look at detailed information about companies use of resources, waste management, human rights record and corporate behaviour and will only invest in those that score highly in these areas.

Traditional ethical investing seeks to exclude unwanted sectors such as fossil fuels, weapons, tobacco and gambling and Impact Investing funds will only invest in companies working to solve global problems.

A wide range of options exist and they can even be blended to create a truly diverse, ethical pension.

Pension Basics

A pension is a tax efficient ‘wrapper’ which, contains your choice of investments, intended to grow and provide your income in retirement.

Other common wrappers include ISAs, General Investment Accounts etc. but a pension offers some unique benefits.

When you pay money in, HMRC puts some in too (depending on your rate of Tax) and over the years you benefit from the growth on this. If a company pays in, it gets tax relief.

When the time comes for you to retire, you can typically take 25% of the value of your fund as a Tax Free lump sum. The rest is used to generate an income (or you can use it all to generate a potentially larger income).

 

How Important is Your Pension?

We understand that your pension is of absolute paramount importance and will be used to provide an income when you are no longer working (or can’t), so it will be vital for your lifestyle and quality of life as a pensioner.

It is therefore extremely important for your pension fund to not only be well protected but, to also generate positive returns which target both your anticipated retirement age and your projected future income needs.

Careful planning and expert advice can contribute greatly towards achieving your desired outcome.

Get in touch today to start planning your ethical pension journey