Pension Deposit Accounts

cash pension options
Oliver Roylance-Smith, Director

"In the current economic climate, you might be looking for somewhere to save for your retirement that doesn't put put your capital at risk. To help you find the best options for your existing pension that suit your needs, we're brought together a range of cash options - deposit accounts that offer competitive interest rates. See below for our selection from leading providers. Alternatively, you might want to consider capital protected pension plans, which offer potentially higher returns than cash accounts."

Oliver Roylance-Smith, Head of savings and investment

Pension deposit accounts
ProviderAccountMinimum DepositTermRate (AER)More Info
£10,0003 Years1.15%More Info
Interest paid annually at 1.15% (gross), quarterly at 1.14% (gross), or monthly at 1.14% (gross).
Cash Deposit Plan Ideas for SIPPs
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Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Compare and find best cash pensions

Pension cash accounts can be used to hold funds if you are approaching retirement in order to preserve your capital, to lower your exposure to riskier assets, or can used while you decide where to invest your pension pot.

For example, an existing pension pot could be transferred to a pension cash account paying a competitive interest rate whilst you devise your investment strategy. To find the right cash pension option for you, use our comparison tables where we've selected some of the leading rates from top providers.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.