Open a Managed Portfolio
Your pension investments? Managed by experts.
Save time, save money, save for what matters most.
With a Managed Portfolio, experts handle your investments for you. It’s pension peace of mind for a low, flat monthly fee.
Important information: The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. Tax treatment depends on your individual circumstances and may be subject to change in the future. This information is not a personal recommendation, if you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
Introducing our Managed Portfolios
Invest in your retirement with confidence
Managed Portfolios are for those looking to get the most from their pension investments - without the hard work.
The ii Personal Pension offers low-cost access to investments managed by experts at the Aberdeen Group.
Once open, simply leave it to us. We'll check and rebalance your investments regularly, letting you plan your future with peace of mind.
Is a Managed Portfolio right for you?
- You might be new to investing and benefit from a portfolio managed by experts.
- You don’t have time to learn and research the markets.
- You are more than 5 years away from taking money from your pension.
Why choose the ii Personal Pension?
Lower cost; better value
Other providers usually charge a percentage of your pot. That means you’ll be charged more as your pension grows in value. The ii Personal Pension is different. With our low, flat fee - from just £5.99 a month - you can keep more of what’s rightfully yours.
Experience that counts
We’ve been supporting investors for three decades. That’s why over 500,000 people invest £80bn with ii. We’re also backed by Aberdeen’s 200 years’ supporting investors worldwide.
Top-rated support
ii has more 5-star Trustpilot reviews than any other UK SIPP provider. Have a question? It’s easy to keep track of your pension via our website and secure mobile app.
How our Managed Portfolios work
We'll ask you a few questions to match you to one of our 10 investment portfolios, helping us find the one that best suits you and the level of risk you're comfortable with.
Check you’re happy with the chosen Managed Portfolio and its investment strategy, and you’re all set to open your pension.
Experts at Aberdeen will monitor your investments and adjust as needed to keep them in line with your goals.
Check in anytime, and if anything changes, you can easily switch to a different portfolio.
Investment portfolios built around you
With 2 distinct styles and 5 levels of risk to choose from, you can find an investment portfolio that matches the type of investor you are. While there's no minimum investment period, all our portfolios are designed for long-term growth (at least 5 years).
Want to understand more about risk? Learn how you can strike the right balance.
Index investment style
- Low-cost Aberdeen funds designed to build long-term growth.
- A diverse range of investments that ensure your money is always working as hard as it can for you.
- Invest in some of the most popular companies, with our experts reviewing and diversifying when needed to keep it fresh.
Sustainable investment style
- Low in cost and built for long-term growth, invested in funds that reflect your beliefs and values.
- Most of your money goes towards sustainable funds which follow environmental, social and governance (ESG) criteria.
- The rest is split across neutral options, such as cash and bonds.
Important information: interactive investor (ii) is an Aberdeen company. Aberdeen advise ii on the fund selection for the ii Personal Pension (SIPP) Managed Portfolios. The portfolios contain funds predominantly managed by Aberdeen but may also include funds managed by other third-party managers. Please review our portfolio factsheets for more details on the underlying funds.
Smart investing, handled for you
interactive investor is an Aberdeen company. This means that we can offer Managed Portfolios at lower prices which in turn reduce your overall costs.
With a heritage spanning 200 years, the Aberdeen Group delivers a wealth of experience and a passion for helping investors achieve their goals and enjoy the retirement of their dreams.
Their fund managers will adjust your investment mix based on your risk level — so your money works smarter, without you having to lift a finger.
What are the Managed Portfolio charges?
We want to keep your cost as clear, simple and as predictable as possible. That’s why you’ll only pay our low, flat fee plus the ongoing cost of investing in a Managed Portfolio.
Monthly fee for an ii Personal Pension
| Invest up to | Monthly fee | Plan |
|---|---|---|
| £50,000 | £5.99 | Pension Essentials |
| No limit | £12.99 | Pension Builder |
Managed Portfolios investment costs
As with any other investments, you'll also pay an ongoing management charge for your portfolio. This is taken directly from the value of the fund and can range from 0.13% to 0.36% (costs may change over time), depending on your portfolio. See our factsheets for more information on our portfolio charges.
How our charges compare
Our low-cost Managed Portfolios and flat monthly fees mean your total costs for an ii Personal Pension are some of the lowest around for a pension managed by experts.
See how our total costs compare to other managed and ready-made pension options - and see how much you could save with ii.
Find out more about our plans and charges.
| Pension value | ii | Vanguard Managed SIPP | Wealthify | JP Morgan Personal Investing |
| £25,000 | £127 | £155 | £190 | £243 |
| £50,000 | £182 | £310 | £380 | £485 |
| £100,000 | £376 | £620 | £760 | £970 |
| £200,000 | £596 | £1,240 | £1,220 | £1,540 |
How we calculated this comparison:
Costs of investments in portfolios include fund fees, market spread and variable transaction charges. ii illustration based on an average portfolio investment cost of 0.22%. Vanguard illustration based on Vanguard’s Managed Personal Pension (SIPP) fund management fee of 0.17%. Wealthify illustration based on Original Plan average investment cost of 0.16%. JP Morgan illustration based on Fully Managed Personal Pension fund cost of 0.18% and market spread of 0.04%.
Account fees include any account fees, subscription fees or management charges. ii account fee is a monthly subscription. Other providers' account fees are on an annual percentage of the amount invested. Vanguard account fee is 0.15% (max £375 per year), and the Management fee is 0.30%. Wealthify's annual fee is 0.6% up to £100,000, 0.3% on the portion beyond. JP Morgan Personal Investing is 0.75% up to £100,000, 0.35% on the portion beyond.
Costs and charges correct as of November 2025. This is only an estimate. Actual costs may vary depending on the performance of underlying investments.
It’s official: four-time Which? Recommended SIPP
For the fourth year in a row, independent analysts at Which? have recognised the ii Self-Invested Personal Pension for its industry-leading choice, support and value.
Join over 500,000 ii investors and start prioritising your pension with our award-winning, low-cost SIPP.
