Pensions By Penfold vs SJP

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).

The SJP app, a simple, safe, and convenient way to keep track of your investments. As a client of SJP you can benefit from easy access to the following great features: - Simple sign-up process - Biometric sign in - Get current values on your investments including encashment values - See deposits and withdrawals - Track how your pension, ISAs, bonds and more are performing - See more detail with fund breakdowns - Get invaluable information from our experts in the insights section - Read the latest correspondence from us in your personal document library By installing this app, you are agreeing to SJP’s Privacy and Cookies Policy. For more information about how SJP processes your personal data please see SJP’s Privacy and Cookies Policy at https://www.sjp.co.uk/privacy-policy. About St. James’s Place. SJP offers clear financial advice and knowledge to create confidence. We’re here to help you and your money go further ¬– and do better. With us to guide you, you can create a future, and a world, that you believe in. (Please see our website for full terms and conditions. T&Cs apply.) St. James’s Place Wealth Management plc is authorised and regulated by the Financial Conduct Authority. Registered Office: St. James’s Place House, 1 Tetbury Road, Cirencester, GL7 1FP. Registered in England No. 04113955