Ethical Pensions – Personal Pensions, SIPPs & Company Schemes

Start a new ethical pension or transfer an existing pension into ethical investments.

We provide regulated, independent advice to help you choose from a wide range of award winning, ethical funds and portfolios so you can achieve your objectives while making a positive contribution.

For a FREE review of your existing pension holdings or to talk with one of our advisers, call 023 8000 3456 or email:

Avoid fossil fuels, weapons, tobacco and gambling as well as companies with poor human rights records and questionable business practices. Lower your carbon footprint and contribute to a cleaner, fairer world.

Your pension is a tax efficient ‘wrapper’ containing a range of investments. To make it ethical, you simply choose ethically focused underlying investments.

Many well structured ESG (Environmental, Social & Governance) funds and portfolios have a track record of solid performance with competitive fees making them an obvious choice for conscientious investors.

Ethical Pension Enquiry:

The UN Sustainable Development Goals

How to Create an Ethical Pension

Pensions require careful planning, and it is important to be well informed before considering any changes.

Depending where your pension is currently held, you may already have access to some ethical options.

Most workplace pension providers have at least one ethical fund or portfolio to choose from.

If your SIPP or personal pension plan is on a ‘platform’, you could have access to a wide range of ethical options, but you may prefer to seek help or advice to select something appropriate.

It might also be possible to spread your investment between ethical funds and traditional funds to see how they compare.

What we can do for you

We can provide a free review of your existing investments that will reveal how well they have performed over time, what you could expect in the future and a report to show how well they 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 with questionable business practices.

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

We strive to recommend funds and portfolios that are not just ‘green-washing’ and deliver a solution that has the potential to make a genuine difference while targeting positive investment returns.

These are funds that engage with companies at board level to help them adopt the United Nations Sustainable Development Goals and with exclusionary policies to avoid fossil fuels, tobacco, gambling and weapons. ESG screening is applied to select companies with a strong focus on people, the environment and good corporate behaviour.

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.

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?

Very! Your pension 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