Ethical Pensions – Personal Pension, SIPP or Company Scheme
A pension is a tax efficient ‘wrapper’ around your choice of investments. You choose the underlying investments and they are placed into your pension, SIPP or company scheme.
To make yours an ethical pension, simply choose ethically focused underlying investments.
We provide FCA regulated, independent financial advice to help you choose from a wide range of ethical funds and model portfolios.
- Funds that engage with companies at board level to adopt the United Nations Sustainable Development Goals.
- Exclusionary policies to avoid fossil fuels, tobacco, gambling and weapons manufacturers
- ESG policies that select companies with a strong focus on people, the environment and good management.
Well structured ESG portfolios have exceeded expectations with competitive performance and low management fees.
We can help you transfer an existing pension or start a new one (excludes Defined Benefit or Final Salary schemes).
Make yours an Ethical Pension
We aim to recommend funds, portfolios or fund managers that we believe are not cutting corners or ‘green-washing’ to appear fashionable and are actually serious about delivering a solution that has the potential to make a positive difference to the world.
Ethical funds and portfolios have shown competitive performance compared to non-ethical equivalents and the running costs are just as competitive.
There is no need to compromise on cost or investment performance.
Fully FCA regulated recommendations with names like Standard Life & BlackRock behind some of the options, these are highly regarded, award winning products with impressive pedigree.
If you already have a pension it may be possible to transfer your fund into ethical investments either within your existing pension (you may need to contact your current provider) or a new pension scheme with more ethical choices.
Regardless of whether you have an existing pension or would like to start a new ethical SIPP or company pension scheme, we can help.
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), it will be vital for your lifestyle and quality of life as a pensioner.
It is therefore extremely important for your pension fund to 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