Pensions By Penfold vs Collegia

Feel empowered by your pension with Penfold’s intuitive interface, powerful tools and friendly customer service. We make pensions easy so you can have confidence about life after work. Capital at risk. Get started in under 5 minutes • Create an account with an email and password • Enter some details like your name and address • Transfer an old pension or pay in some cash • All done! Complete access to a modern pension Transfer your pensions for free • Combine old workplace and private pensions • Enter a few details about your old pension in-app • Our transfer specialists do the paperwork for you • Get transfer progress updates on your dashboard It's important to compare providers’ fees and any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If your employer is paying into your pension currently, transferring that pot may mean you lose out on their contribution. Track down lost pensions • Use our in-app Find My Pension tool • Simply enter your previous employer’s name • We’ll tell you the provider and contact details Completely flexible pension contributions • No minimum monthly contribution amount • Set up recurring or make one-off payments • Easily top-up, adjust and stop your contributions • Receive a 25% tax relief top-up automatically Switch pension investment fund any time • Lifetime: Automatically adjusts risk level over time • Standard: Choose your preferred risk level • Sustainable: Invest in high ESG rated companies • Sharia: Investments approved by a Sharia board Low pension fees and no hidden charges • An annual fee of 0.4% to 0.88% depending on your investment fund and account balance • No charges for anything else including exits, transfers and drawdown Friendly, expert pension service • Our UK-based team are on hand to support you • Ask questions via in-app chat, email, or phone • No waiting lines, call centres or jargon! Securing your pension savings • Investments are managed by the largest money managers in the world - BlackRock and HSBC • We safeguard your data with the most up-to-date security technology and strictly comply with GDPR Penfold are part of the Financial Services Compensation Scheme (FSCS) as well as being authorised and regulated by the Financial Conduct Authority (FCA).

Collegia is the only personal, workplace and auto-enrolment pension all in one Collegia is a new kind of pension that can manage your pension savings in a single App, allowing you to combine workplace and private pensions into a single scheme. A sustainable pension scheme that offers a good return on your money Your investments will be managed by a team of leading investment professionals at AllianceBernstein, one of the world’s most trusted investment companies, ensuring you get the best return possible. Savings are invested in companies that are highly rated for environmental sustainability, relationships with stakeholders, attitudes to human rights, supply chain labour standards and the countering of bribery. We also make sure that 25% is automatically added to all contributions, by claiming your tax bonus back from HMRC. Managing your pension throughout your working life Our aim is to help you confidently plan and save towards the retirement you want. We’ll support you in your unique retirement journey, tailoring investments according to your needs and where you are in your working life. Collegia’s App allows you to be in control of your pension. It provides real time information, enables you or your employer(s) to make online contributions, and incorporates your old pension schemes without you losing valuable benefits. Managing your retirement Our retirement planning tool – based on the contributions you’re comfortable with and the ethics you care about – shows you what kind of retirement you can expect, down to how much you’ll have to spend on groceries and holidays. You can see how your pension is performing and how your expected retirement lifestyle changes over time. Transparency We offer total transparency. All investments in Collegia are made under the UN Principles for Responsible Investment and Environmental, Social and Corporate Governance (ESG) factors are integrated into the research and investment process. As with any investment, the value of your pension can go down as up and you may get less than you started with. Collegia is regulated by the UK’s Financial Conduct Authority and your money is 100% protected by The Financial Services Compensation Scheme. Collegia is proud to be backed by Oxford University Innovation.