Personal Pensions, SIPPs & Company Pension Schemes
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 are FCA regulated, independent financial advisers specialising in ethical pensions and investments to help you grow your pension using sustainable, ethical investments.
We recommend a carefully selected range of leading UK ethical pension providers, model portfolios and fund mangers with proven track records of influencing positive change while generating competitive returns.
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.
Using our chosen pension providers you can avoid investing in fossil fuels, weapons, tobacco and gambling as well as companies with poor human rights records, and only invest in well run businesses that support the United Nations Sustainable Development Goals.
What we can do for you
We can help you set up a new ethical pension 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 have been carefully selected based on ethical credentials and include:
Ethical 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 stand-alone ethical funds, multi-fund portfolios that use a blend of ethical approaches (ESG + SRI etc.) or ‘Impact’ funds and portfolios that only invest in businesses actively focused on solving the 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.
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, on a ‘platform’ (an online account) or even on some apps.
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 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.
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