What is a personal pension?
A personal pension gives you more control over where your money is invested for retirement. It’s your chance to choose your own pension provider. And, you can transfer your old workplace pensions into one personal pension pot, so you never have to lose track of your retirement savings again. Learn more.
Your pension with CIRCA5000
Make a positive impact
Invest in funds that only include companies actively making the world a better place. Funds are built around the most innovative themes defining the future of the global economy.
Easily find & transfer pensions
We take the hard work out of finding old pensions. You can combine old workplace pensions and SIPPs into a single CIRCA5000 pension pot.
Benefit from low fees
CIRCA5000 offers some of the lowest fees for a sustainable pension in the market today.More on our fees
A green pension is 21x more effective at cutting your CO2 footprint than giving up flying, going vegetarian and switching to a clean energy provider. Combined.
Simple, transparent fees
|Monthly subscription fee Charged monthly. Covers all open SIPPs, ISAs, GIAs, JISAs.||£1|
|CIRCA5000 fees Charged monthly||0.45%|
|Average external fund fees |
This fee is charged directly by fund managers. We aim to keep it as low as possible. These fees may range from 0.24-0.49% per year, depending on your choice of investments.Charged monthly
- No admin fees
- No trading fees
- No contribution fees
- No transfer in fees
The returns case for impact investing
Over the past few years, impact indices have outperformed the wider market.
We invest in themes and companies that we believe will benefit from structural market trends, such as the energy transition to renewables.
*The purpose of the chart is to illustrate the case for impact investing, and is not CIRCA5000’s portfolio returns. The chart above shows the annualised returns of the MSCI ACWI Index ("Standard Index") compared with the MSCI ACWI Sustainable Impact Index ("Sustainable Impact Index") for the 5 year period up to 19th January 2023. Returns are in USD and net of dividends. Past performance is no indication or guarantee of future performance. Investing directly in either index shown is not possible via CIRCA5000. When investing in funds, other factors such as fees and currency exposures may affect your return. Source: msci.com
Ready to invest?
How do I transfer a pension?
Transferring your old workplace pensions to CIRCA5000 couldn’t be simpler.Get started
Scan to download the CIRCA5000 app
- Get ready Speed up the process by having your UK address, National Insurance and pension policy number to hand.
- Sign up online or download the app You can open an account and transfer your old workplace pension in minutes.
- Select 'Transfer' and review your portfolio Choose a risk level you feel confident with and review your portfolio breakdown.
- Enter your pension details and you’re done! We’ll handle the rest and start the transfer process with your provider. This usually takes 4-8 weeks, but can be more depending on your provider.
Learn more about pensions
What is a personal pension?
A personal pension (or a private pension) is a tax-efficient savings account you can set up for retirement.Learn more
Benefits of transferring pensions
What are the benefits of combining your pensions and what exactly is pension consolidation?Learn more
What is a sustainable pension?
What is impact investing? And how does it relate to your pension? Discover what you need to know about using your retirement savings to do good.Learn more
Don't just take our word for it...
(Based on 2k+ ratings on the App Store & Google Play Store)
If you're not investing in CIRCA5000 you're missing out
Love CIRCA5000! I have been a long-term member and I don't have a negative thing to say. Good returns, good support, brilliant UX and platform, great educational blogs, I really like the founders, and you're investing in impact and the future!
Jack Dunning, 26 Jan 2023
Excellent customer service, great app
My contact with customer support whilst locating my old pensions has been exceptional. They have done all the leg work and have kept me fully informed during the process. CIRCA5000 in general is excellent, I have been able to manage my pension and investment portfolio, focusing on areas that align with my personal values, all whilst being able to monitor their progress.
James, 18 Jan 2023
Great intro for investing
Great intro for investing - and great returns. Easy to understand and great customer services and levels of customisation.
Joshua Rayner, 18 Jan 2023
+160,000 users are building their wealth with CIRCA5000
App Store top rated app Based on 1,165 reviews
Google Play Store top rated app Based on 762 reviews
Important information - Investments can go down in value as well as up, so you can get back less than you invest. The information on this page isn't investment advice. If you're not sure if an investment is right for you, please seek advice. Tax rules can change and depend on individual circumstances.