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.
Why choose us?
Behind our Octopus we’re refreshingly human. We’re real people, ready to give you the support and confidence you need to make your own financial and investing decisions.
Navigator pension automatically steers your pension based on your age. It aims for growth when you’re younger and stability as you get older.
Start from £25 a month
or move your pension to us
- Straightforward
No jargon, no waffle, just no nonsense investments and pensions.
- Effortless
A super-simple Online Service that makes managing them easy.
- Smart solutions
Ready made funds that invest worldwide to help reduce risk and increase growth opportunities.
- Responsible choice
Fund options that consider people and the planet, as well as performance.
And, if you need expert financial advice, our fellow humans at Octopus Money can help (additional charges may apply).
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.
Want to combine your pensions?
It’s easy to transfer one or more.
Learn more about pensions
Find out everything you need to know about pensions with handy tips, guides and videos from our pensions experts.
Our charges
Our charges are 0.75% in total each year, based on the value of your pension pot. This is made up of two clear and simple charges.
- An Account Charge of 0.30% for managing your account
- A Management Charge of no more than 0.45% to manage your investments
Apply for Navigator pension
Know enough about Navigator and just want to get going?
Good to Know
Our Terms
Everything you need to know. Includes the Key Features of our Pension and how we use your personal information.
Protecting your money
Sleep easy with protection on deposits up to £85,000. Provided through the Financial Services Compensation Scheme (FSCS).
Fund Value Assessment
A report showing whether our funds are providing good value and our plans if there are things we think we can improve.
Online Service and app
Stay in control with our Online Service and app, making it easy to keep track of your investments wherever you are.
Prefer to be in the driving seat?
If you want to take the controls and follow your own investment route for retirement, Self-Drive could be for you.
