Save for retirement your own way

Save for retirement your own way

Use our Self-Invested Personal Pension (SIPP) to start saving for your retirement or when you want to combine multiple pensions in one place.

Powered by  

Why consider &me logo Pension?

A Self-Invested Personal Pension (SIPP) lets you choose how you want to invest the money you save for your retirement. You also receive an extra boost from HMRC

Enjoy the 25% boost

For every £100 you add to your SIPP, the government automatically gives you an extra £25*.

Tax-free withdrawals at 55​

Withdraw up to 25% of the money built up in your pension as a tax-free lump sum when you’re 55.

Feel on top of things​

Use the &me app to control how your money is invested and keep track of your performance.

Easily transfer from elsewhere

Having your pensions together is more convenient and a good way to reduce your overall charges.

&me consultants on your side

Your &me consultant is always on hand to help at no extra cost.

Powered by M&G Wealth

&me is powered by a range of M&G Wealth managed portfolios, meaning you benefit from a lifetime of expertise.

*It’s possible that you may get more or less than this amount depending on your tax status.
As with all investing, please remember that your money can go down as well as up.

You’re not alone

We’ve waved goodbye to jargon and cut the investment techno-babble as much as possible, but there’s nothing quite like knowing you can also reach out for help.

When you invest with &me, you get access to a team of dedicated &me consultants. Easily get in touch through the app to ask questions and feel confident when investing.

And best of all, this service is included in your overall fee, so there are no hidden costs.

How can you get investment help?

As your money grows, your fee % shrinks

Start investing with a minimum of £500.

Below are our competitive annual fees for managing your money.

Invested amount

Management fee

Up to £10,000


£10,000 to £20,000


£20,000 to £50,000


£50,000 to £100,000


£100,000 to £250,000


£250,000 to £500,000




More information about Pensions

If you still have questions, get in touch and we’ll be happy to help.

Yes. Everyone has the same pension allowance no matter how they’re employed. And if you own a limited company, you can even have your business pay directly into your &me personal pension which reduces your company’s tax bill.

If you currently earn less than £40k each year, the maximum amount you can add to your pension savings is the same as your annual salary. If you earn between £40k and £240k, then the limit of what you can contribute is £40k. If you haven’t added the maximum amount over the past three years, it’s possible you could add more than £40k. We recommend speaking with one of our &me investment experts who can check this for you.

The minimum pension amount you can transfer to the &me SIPP is £500.

The current rule is that a tax charge applies if you have more than £1.05 million in your pension savings when you want to start taking money. If this affects you, we recommend speaking with one of our &me consultants who can check you’re being as tax-efficient as possible.

If you have less than £1.05 million, you have the option to take 25% of your pension as a tax-free lump sum when you reach the age of 55. You can then use the rest to give you an income, which will be subject to regular income tax charges.

It slightly differs if you pass away before or after 75.

If under 75, we’ll arrange for your &me pension value to go to your beneficiaries free of tax unless you have more than £1.05 million in your pension.

If after 75, any money paid to your beneficiaries is treated as income and they’ll be taxed accordingly.

Start investing with &me logo

With no commitment to invest, see how &me could grow your money and help you feel invested.

With investment, your capital is at risk and you may get less than what you invested.
Tax treatment depends on your individual circumstances and may change in the future.