Need to learn more about pensions first?

One pension, two easy options

Currently, with this product you can only access your pension money as a lump sum from age 55 (57 from 2028). So if you’re looking for flexible access, this might not be the pension for you.

Navigator

Steered automatically based on your age

We make the choices and investment decisions
We’ll keep an eye on things, so you don’t have to
A good option if you want to take money from your pension in retirement, whilst keeping it invested

View Navigator pension option

Self-Drive

You steer your own pension choices

You choose which investment approach is right for you
You keep an eye on your pension (we still do the investing)

View Self-Drive pension option

Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.

Why choose Octopus Money Direct?

Our personal pension helps you plan for a brighter future with two super-smart and straightforward choices to grow your money.

Start from £25 a month

or move your pension to us

Straightforward

No jargon, no waffle, we make pensions simple.

Good value

Our experts invest your money worldwide to reduce risk and help it grow, at a fair price.

Responsible

We make investment decisions that consider people and the planet.

Rewarding

Rewards from the Octopus family and beyond.

Currently, with this product, you can only access your pension money as a lump sum from age 55 (57 from 2028). So, if you’re looking for flexible access, this might not be the pension for you.