Transfer your Pension | Wealthify.com

Choose your risk level

Choose your investment risk level from the options below. You can see the culmulative return of each risk level to help you make your decision.

Past cumulative returns

On the next steps you will be asked to select an investment theme and risk level. The below shows the cummulative return of each combination. Representing real transactions we've carried out for actual customer Plans

Risk level	Investment Theme
	Original	Ethical
Adventurous	84.8%	40.4%
Ambitious	59.7%	29.3%
Confident	36.9%	18.4%
Tentative	17.9%	7.6%
Cautious	1.9%	-4.6%

Past Performance

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-21 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates original theme return between 2021 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9%	45.7%	77.5%	110.1%	146.9%
2024 - 2025	17.1%	38.0%	64.1%	90.7%	119.7%
2023 - 2024	10.3%	27.4%	48.7%	69.9%	93.1%
2022 - 2023	8.8%	22.8%	39.4%	54.5%	70.3%
2021 - 2022	4.2%	15.8%	29.5%	41.4%	53.3%
2021	17.0%	29.4%	43.9%	55.5%	69.3%

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9	45.7	77.5	110.1	146.9
2024 - 2025	17.1	38.0	64.1	90.7	119.7
2023 - 2024	10.3	27.4	48.7	69.9	93.1
2022 - 2023	8.8	22.8	39.4	54.5	70.3
2021 - 2022	4.2	15.8	29.5	41.4	53.3
2021	17.0	29.4	43.9	55.5	69.3

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-21 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates ethical theme return between 2021 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1%	23.8%	40.1%	56.1%	72.8%
2024 - 2025	5.5%	16.4%	28.5%	40.6%	52.5%
2023 - 2024	0.3%	9.8%	20.7%	31.8%	43.1%
2022 - 2023	-0.4%	6.6%	14.3%	22.0%	29.0%
2021 - 2022	-4.7%	-0.1%	5.2%	9.9%	14.0%
2021	11.5%	17.5%	24.4%	30.9%	37.9%

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1	23.8	40.1	56.1	72.8
2024 - 2025	5.5	16.4	28.5	40.6	52.5
2023 - 2024	0.3	9.8	20.7	31.8	43.1
2022 - 2023	-0.4	6.6	14.3	22.0	29.0
2021 - 2022	-4.7	-0.1	5.2	9.9	14.0
2021	11.5	17.5	24.4	30.9	37.9

Risk level	Investment Theme
	Original	Ethical
Adventurous	146.9%	72.8% since 2018
Ambitious	110.1%	56.1% since 2018
Confident	77.5%	40.1% since 2018
Tentative	45.7%	23.8% since 2018
Cautious	18.9%	7.1% since 2018

Past Performance

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 02-16 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates original theme return between 2016 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9%	45.7%	77.5%	110.1%	146.9%
2024 - 2025	17.1%	38.0%	64.1%	90.7%	119.7%
2023 - 2024	10.3%	27.4%	48.7%	69.9%	93.1%
2022 - 2023	8.8%	22.8%	39.4%	54.5%	70.3%
2021 - 2022	4.2%	15.8%	29.5%	41.4%	53.3%
2020 - 2021	17.0%	29.4%	43.9%	55.5%	69.3%
2019 - 2020	16.1%	24.1%	33.9%	40.5%	48.6%
2018 - 2019	13.3%	20.0%	28.5%	34.8%	43.0%
2017 - 2018	6.3%	9.5%	14.4%	17.0%	20.9%
2016 - 2017	7.6%	11.9%	18.4%	22.8%	28.9%
2016	5.0%	7.7%	13.2%	15.4%	19.2%

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9	45.7	77.5	110.1	146.9
2024 - 2025	17.1	38.0	64.1	90.7	119.7
2023 - 2024	10.3	27.4	48.7	69.9	93.1
2022 - 2023	8.8	22.8	39.4	54.5	70.3
2021 - 2022	4.2	15.8	29.5	41.4	53.3
2020 - 2021	17.0	29.4	43.9	55.5	69.3
2019 - 2020	16.1	24.1	33.9	40.5	48.6
2018 - 2019	13.3	20.0	28.5	34.8	43.0
2017 - 2018	6.3	9.5	14.4	17.0	20.9
2016 - 2017	7.6	11.9	18.4	22.8	28.9
2016	5.0	7.7	13.2	15.4	19.2

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-18 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates ethical theme return between 2018 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1%	23.8%	40.1%	56.1%	72.8%
2024 - 2025	5.5%	16.4%	28.5%	40.6%	52.5%
2023 - 2024	0.3%	9.8%	20.7%	31.8%	43.1%
2022 - 2023	-0.4%	6.6%	14.3%	22.0%	29.0%
2021 - 2022	-4.7%	-0.1%	5.2%	9.9%	14.0%
2020 - 2021	11.5%	17.5%	24.4%	30.9%	37.9%
2019 - 2020	10.4%	12.7%	15.5%	17.9%	20.6%
2018 - 2019	6.3%	6.5%	6.8%	7.2%	7.7%
2018	-1.6%	-3.3%	-5.1%	-6.9%	-8.8%

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1	23.8	40.1	56.1	72.8
2024 - 2025	5.5	16.4	28.5	40.6	52.5
2023 - 2024	0.3	9.8	20.7	31.8	43.1
2022 - 2023	-0.4	6.6	14.3	22.0	29.0
2021 - 2022	-4.7	-0.1	5.2	9.9	14.0
2020 - 2021	11.5	17.5	24.4	30.9	37.9
2019 - 2020	10.4	12.7	15.5	17.9	20.6
2018 - 2019	6.3	6.5	6.8	7.2	7.7
2018	-1.6	-3.3	-5.1	-6.9	-8.8

Choose your investment theme

Choose your investment theme from the options below. You can see the cumulative return of each theme to help you make your decision.

Past cumulative returns

On the next steps you will be asked to select an investment theme and risk level. The below shows the cummulative return of each combination. Representing real transactions we've carried out for actual customer Plans

Risk level	Investment Theme
	Original	Ethical
Adventurous	84.8%	40.4%
Ambitious	59.7%	29.3%
Confident	36.9%	18.4%
Tentative	17.9%	7.6%
Cautious	1.9%	-4.6%

Past Performance

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-21 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates original theme return between 2021 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9%	45.7%	77.5%	110.1%	146.9%
2024 - 2025	17.1%	38.0%	64.1%	90.7%	119.7%
2023 - 2024	10.3%	27.4%	48.7%	69.9%	93.1%
2022 - 2023	8.8%	22.8%	39.4%	54.5%	70.3%
2021 - 2022	4.2%	15.8%	29.5%	41.4%	53.3%
2021	17.0%	29.4%	43.9%	55.5%	69.3%

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9	45.7	77.5	110.1	146.9
2024 - 2025	17.1	38.0	64.1	90.7	119.7
2023 - 2024	10.3	27.4	48.7	69.9	93.1
2022 - 2023	8.8	22.8	39.4	54.5	70.3
2021 - 2022	4.2	15.8	29.5	41.4	53.3
2021	17.0	29.4	43.9	55.5	69.3

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-21 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates ethical theme return between 2021 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1%	23.8%	40.1%	56.1%	72.8%
2024 - 2025	5.5%	16.4%	28.5%	40.6%	52.5%
2023 - 2024	0.3%	9.8%	20.7%	31.8%	43.1%
2022 - 2023	-0.4%	6.6%	14.3%	22.0%	29.0%
2021 - 2022	-4.7%	-0.1%	5.2%	9.9%	14.0%
2021	11.5%	17.5%	24.4%	30.9%	37.9%

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1	23.8	40.1	56.1	72.8
2024 - 2025	5.5	16.4	28.5	40.6	52.5
2023 - 2024	0.3	9.8	20.7	31.8	43.1
2022 - 2023	-0.4	6.6	14.3	22.0	29.0
2021 - 2022	-4.7	-0.1	5.2	9.9	14.0
2021	11.5	17.5	24.4	30.9	37.9

Risk level	Investment Theme
	Original	Ethical
Adventurous	146.9%	72.8% since 2018
Ambitious	110.1%	56.1% since 2018
Confident	77.5%	40.1% since 2018
Tentative	45.7%	23.8% since 2018
Cautious	18.9%	7.1% since 2018

Past Performance

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 02-16 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates original theme return between 2016 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9%	45.7%	77.5%	110.1%	146.9%
2024 - 2025	17.1%	38.0%	64.1%	90.7%	119.7%
2023 - 2024	10.3%	27.4%	48.7%	69.9%	93.1%
2022 - 2023	8.8%	22.8%	39.4%	54.5%	70.3%
2021 - 2022	4.2%	15.8%	29.5%	41.4%	53.3%
2020 - 2021	17.0%	29.4%	43.9%	55.5%	69.3%
2019 - 2020	16.1%	24.1%	33.9%	40.5%	48.6%
2018 - 2019	13.3%	20.0%	28.5%	34.8%	43.0%
2017 - 2018	6.3%	9.5%	14.4%	17.0%	20.9%
2016 - 2017	7.6%	11.9%	18.4%	22.8%	28.9%
2016	5.0%	7.7%	13.2%	15.4%	19.2%

Years	1	2	3	4	5
	Risk level
2025 - 2026	18.9	45.7	77.5	110.1	146.9
2024 - 2025	17.1	38.0	64.1	90.7	119.7
2023 - 2024	10.3	27.4	48.7	69.9	93.1
2022 - 2023	8.8	22.8	39.4	54.5	70.3
2021 - 2022	4.2	15.8	29.5	41.4	53.3
2020 - 2021	17.0	29.4	43.9	55.5	69.3
2019 - 2020	16.1	24.1	33.9	40.5	48.6
2018 - 2019	13.3	20.0	28.5	34.8	43.0
2017 - 2018	6.3	9.5	14.4	17.0	20.9
2016 - 2017	7.6	11.9	18.4	22.8	28.9
2016	5.0	7.7	13.2	15.4	19.2

The graph illustrates the performance of our investment styles, from Cautious to Adventurous, between 08-18 and 06-26, after all fees (0.60% p.a. Wealthify management fee). Results are based on Plans over £100 and may differ for smaller Plans. Investments can go down as well as up, so you could get back less than you put in. While past performance isn't a guarantee, investing for the long term (5+ years) typically yields positive returns.

This table illustrates ethical theme return between 2018 and 2026 at the end of each given year.

Data shown in %

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1%	23.8%	40.1%	56.1%	72.8%
2024 - 2025	5.5%	16.4%	28.5%	40.6%	52.5%
2023 - 2024	0.3%	9.8%	20.7%	31.8%	43.1%
2022 - 2023	-0.4%	6.6%	14.3%	22.0%	29.0%
2021 - 2022	-4.7%	-0.1%	5.2%	9.9%	14.0%
2020 - 2021	11.5%	17.5%	24.4%	30.9%	37.9%
2019 - 2020	10.4%	12.7%	15.5%	17.9%	20.6%
2018 - 2019	6.3%	6.5%	6.8%	7.2%	7.7%
2018	-1.6%	-3.3%	-5.1%	-6.9%	-8.8%

Years	1	2	3	4	5
	Risk level
2025 - 2026	7.1	23.8	40.1	56.1	72.8
2024 - 2025	5.5	16.4	28.5	40.6	52.5
2023 - 2024	0.3	9.8	20.7	31.8	43.1
2022 - 2023	-0.4	6.6	14.3	22.0	29.0
2021 - 2022	-4.7	-0.1	5.2	9.9	14.0
2020 - 2021	11.5	17.5	24.4	30.9	37.9
2019 - 2020	10.4	12.7	15.5	17.9	20.6
2018 - 2019	6.3	6.5	6.8	7.2	7.7
2018	-1.6	-3.3	-5.1	-6.9	-8.8

Your Pension projection

Input details to see how much your Personal Pension could grow

You invest

If markets perform better

If markets perform worse

These figures represent what your investment could be worth if markets perform better or worse. All projections are calculated using 1,000s of simulations based on different market environments.

You can access your pension when you turn 55 (rising to 57 in 2028). The projected values include the impact of fees at our standard rate and any fund charges. The projected values show the possible future value of your Plan in different market conditions. These are only forecasts and not a reliable indicator of future performance. With investing, your capital is at risk and you could get back less than you put in. More details

To calculate the projected values we use financial models to forecast the range of possible outcomes. They are based on your selected timeframe and include the impact of fees and fund charges.

Projected value: this is the midpoint of the range of possible outcomes.

If markets perform worse: the bottom 10% of outcomes result in this or lower due to worse than anticipated market performance.

If markets perform better: the top 10% of outcomes achieve this or higher due to better than anticipated market performance.

The differences between projected values will usually be smaller for lower risk plans.

Projections should only be viewed as forecasts, and are not a reliable indicator of future performance. Tax treatment may vary depending on your individual circumstances.

Your details

Funding your investments

Choose your risk level

Past cumulative returns

Past Performance

Past Performance

Choose your investment theme

Past cumulative returns

Past Performance

Past Performance

Your Pension projection

Modify your Plan

Your details

Funding your investments

Choose your risk level

Past cumulative returns

Past Performance

Past Performance

Choose your investment theme

Past cumulative returns

Past Performance

Past Performance

Your Pension projection

Modify your Plan

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