Self-Drive Pension
Perfect if you want to take the controls.
Get Started with our Self-Drive pension
Fancy doing the driving?
If you like the hands-on approach, our Self-Drive pension could be for you.
You get to choose your investments and steer your own route to retirement. You’re in control.
Start from £25 a month
or by moving a pension to us.
Straightforward
No jargon, no waffle, we make pensions simple.
See our approachesGood value
Our experts invest your money worldwide to reduce risk and help it grow, at a fair price.
Learn about our chargesResponsible
We make investment decisions that consider people and the planet.
See how we invest responsiblyRewarding
Treat yourself with rewards from the Virgin family and beyond.
Get rewarded
Four approaches to choose from
It’s easy to decide which investment approach is right for you. Our handy Investment Mix and straightforward descriptions will help you choose.
Learn about our Investment Mix
Careful Defensive approach
To minimise and defend against ups and downs.
Cautious Growth approach
A slower, cautious approach to growing your money.
Balanced Growth approach
For higher growth potential, but more ups and downs than with our Cautious Growth approach.
Adventurous Growth approach
For higher growth potential, but more ups and downs than with our Balanced Growth approach.
See how much your money could grow
Use our quick and easy calculator to see how bright your financial future could be
Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.
Investment Mix
Close Modal- Higher potential returns and risk
- Lower potential returns and risk
The Investment Mix shows you how much of your money typically goes into higher risk investments with higher potential returns, and how much goes into lower risk investments with lower potential returns.
For more info, check out our guide.
Investing your pension and the risks
Learn about pensions
Find out everything you need to know about pensions with handy tips, guides and videos from our pensions experts.
Check it outOur charges
Our charges are 0.75% in total each year, based on the value of your account. This is made up of two clear and simple charges.
- An Account Charge of 0.30% for managing your account
- A Management Charge of 0.45% to manage your investments
Want someone else to drive?
Switch to our steered-for-you Navigator pension. It’s like sat nav for your retirement journey.
Explore Navigator
Apply for Self-Drive pension
If you know enough about Self-drive and just want to get going, select an option
Good to know
Our terms
Everything you need to know. Includes the Key Features of our Pension and how we use your personal information.
Protecting your money
Sleep easy with protection on deposits up to £85,000. Provided through the Financial Services Compensation Scheme (FSCS).
About the FSCS
Fund Value Assessment
A report showing whether our funds are providing good value and our plans if there are things we think we can improve.
Read the latest report
Online Service and app
Stay in control with our Online Service and app, making it easy to keep track of your investments wherever you are.
Explore Online Service