What is a personal pension?

Recent restructuring of the State Pension in the UK has made one thing clear. No one wants to rely solely on a government pension in their retirement.

It’s more important than ever that you be the one planning your retirement. Not the government (who thinks £119.30 p/week is liveable. That’s if you’re even eligible). Or your employer.

Sure auto-enrollment is happening in the workplace. But personal pensions are a great way for YOU to save for your retirement. Your employer may even “top up” your personal pension as well. And if you’re self-employed, well a personal pension is essential.

Choosing a personal pension

Compared to previous decades, there’s way more flexibility choosing or switching a personal pension. You can control how much you’re paying in. You balance the level of risk and security, for growth. And now, after the age of 55, (57 if born after 1971) you get to decide how you want to take the money.

So how do you choose the best option to suit how you want your retirement to be?

Setting up or switching a personal pension

We advise on all options for setting up or switching a personal pension. And since 2013 we’ve helped over 11,000 Brits get a better pension deal for them. That’s because we are an impartial pensions advisory service.

We aren’t paid to push one fund over another. We can take a view of what’s available across the whole industry. And then balance this with what’s important to you.

Are you close to retirement? Or saving for your first house?

Is this pension a “nice-to-have” on top of your workplace pension? Or a “must-have” when you’re self-employed.

Even if it feels like you have no money to spare for a personal pension (it’s usually £200.00 per month as a minimum) Give us a call, you might be surprised at what’s possible.  It’s no obligation and will cost you only 40 minutes of your time. Surely that’s got to be worth it to live on more than £119.30 a week when you’re retired?

Call us today on 01772977162.

Over 11,000 customers have switched £470m of pension savings with us


Design Engineer, likes the outdoors and lives in Darlington.

The advisers are very knowledgeable and if you have questions they are unable to answer at the 
time they always come back in a short space of time. 
I would recommend Profile to anyone thinking of taking out a pension review.


Sonia lives with her husband and stepchildren in Buckinghamshire.

I was particularly impressed with how Profile fed back to me throughout. I have to say I was very happy with their service and how my adviser explained everything in a very straightforward way. He also didn’t put me under any pressure to make changes, so I felt comfortable and confident about trusting his recommendations when it came to transferring my pension.


A milkman from Barham, Suffolk.

Profile advised that I should switch my pension to LV because it had better long-term prospects. I decided to take their advice and move my pension and I’m glad that I did! Profits have climbed nicely since it was opened just a year ago. I’m very pleased!


An IT professional from London

The adviser gave me some of the information that I already knew and he supplemented that with current information about my pension performance, how that compared to the market, what the fees were and other plans and providers and what returns they were getting. I imagined that I’d be given a lot of facts of information, which I was, but in manageable chunks over the course of the call.


Davy works for the Prison Service and lives in Ayrshire.

The yearly updates that I receive from Profile are excellent and understandable. The decision to transfer my pensions via Profile was one of the best decisions that I have made and I wish I had taken the steps years ago.

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