Pension Access
Tax treatment depends on your circumstances and is subject to change

Power to your pension

At Pension Access, the portfolios we recommend have consistently beaten the benchmark.1
Get started
Reviews widget will appear here
Couple smiling with a glass of red wine | Pension portfolio investments

Your pension portfolio, in a nutshell

Your pension portfolio determines how and where your savings are invested. And even if you take your 25% tax-free cash, that’s 75% of your pension that still needs careful management.

The five main portfolios we recommend have been designed with the selected pension providers we work with. They reflect the different attitudes people have when it comes to how much risk they are prepared to take with their pension investments. Through these portfolios, our clients’ money is invested in over 11,000 companies worldwide.
Releasing pension money early isn’t right for everyone as it will leave you worse off in retirement. That’s why it makes sense to speak with a financial adviser.

Portfolio power

Let’s look at how each of the main portfolios we recommend for our clients has performed compared with an industry benchmark.1

Past performance is not a reliable indicator of future results. As with all investments, capital is at risk.

1The performance figures are based on 10-year average annualised returns as of February 2023. They do not take into account the impact of any associated charges, including financial advice. Source: FE Analytics. When we talk about the benchmark we are referring to an Investment Association average composition that matches the risk rating for each of the portfolios we offer.
0800 009 3388
Mon-Fri 8am-4pm

Information on Pension Access
Legal
Latest

This website is aimed solely at UK investors subject to the UK tax regime.
Pension Access is a trading name of Harbour Rock Capital Limited which is registered in England & Wales as a Limited Company, No. 10290349. Authorised and regulated by the Financial Conduct Authority, No. 754580. Registered Offices: Affinity House, Beaufort Court, Sir Thomas Longley Road, Rochester, Kent, ME2 4FD. Telephone: 0800 009 3388. Email: pensionaccess@harbourrockcapital.co.uk
© 2025 Pension Access. All right reserved.
What's in your info pack?
Your FREE information pack contains all the information you need to make an informed decision on wheter or not taking tax free cash from your pension is right for you.
Get your Free Info Pack
Complete the form and we'll send you an information pack
Note: We are unable to advise on the state pension or any pension you are already taking an income from.

    Get your free info pack

    Where should we send your info pack?

    Please complete your details below and we'll send your information pack in the next available post

    Find Your address

    Type in your postcode or start typing your address then select from the drop-down list

    Your address

    We'll post your information pack here

    Keeping in touch

    We'll send you updates by email or text message. One of our specialists may call, just in case you have any questions about your pension. We’re big believers in never bombarding people with calls.

    Safety PadlockYour information is safe with us. Our calls are recorded for regulatory, legal and training requirements. Please see our privacy notice for information on our data practices here

    PRIVACY POLICY

    Click here to begin
    Hands using calculator to calculate home equity amount