What would you like to do?

Explore how I can invest for retirement

Our Modular iPlan brings pensions, ISAs and other investments together in one place.

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See what I could get in retirement

Get a personalised illustration to see what you could get by investing with James Hay.

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How can I take money out of my pension

If you are 55 or over, you can start accessing your pensions now – and we’re here to help.

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Register for an online account

Set up your James Hay Online Account now – and get ready to invest.

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Is the Modular iPlan right for me?

We’ve created the Modular iPlan as a powerful and flexible way to manage and track all your investments in one place so you can plan an investment strategy in line with your needs.

If you are in any doubt whether the Modular iPlan is the right choice for you, we strongly encourage you to seek advice from a financial adviser. If you would like to speak to a regulated financial adviser but do not have one, please visit www.unbiased.co.uk to find a regulated adviser in your area.

If you are planning to take money out of your pension in the near future, you are also entitled to free, impartial guidance from Pension Wise. Visit www.pensionwise.gov.uk or call either 0800 138 3944 or 0300 330 1003 (from outside the UK +44 20 3733 3495), if you wish to use this service.

The Modular iPlan MAY be appropriate if you…The Modular iPlan may NOT be appropriate if you…
- are looking to invest for the medium to long term - need to access money invested into the Modular iPlan in the very short term (does not apply to withdrawals from a SIPP from age 55)
- do not need to access money from the SIPP before age 55 - need to access money invested in the SIPP before age 55
- accept that the value of your investments can go down as well as up and you may not get back what you originally invested - cannot accept that the value of your investments can go down as well as up and you may not get back what you originally invested
- accept that the Modular iPlan and the products within it do not offer any guarantees and therefore may not necessarily provide the level of income required in retirement* - need a product that can offer a guaranteed income*
- accept that if the investments in your SIPP do not perform as you expect, you may need to delay retirement or increase contributions to achieve your required level of income - do not accept that if the investments in your SIPP do not perform as you expect, you may need to delay retirement or increase contributions to achieve your required level of income
- are confident to select investment products yourself or have access to a financial adviser to select for you - are not confident about selecting investment products yourself and do not have access to a financial adviser to select for you
- are comfortable about deciding what income and lump sums to take from your SIPP and other investments, or you have access to a financial adviser to decide this for you - are not confident about deciding what income and lump sums to take from your SIPP and other investments, and do not have access to a financial adviser to decide this for you
- have pension plans you wish to transfer into the Modular SIPP that have no guaranteed pension benefits – and/or are not charged high costs by your previous provider to transfer - want to transfer a pension that has guaranteed pension benefits that could be lost by transferring into the Modular iPlan – and/or will be charged by your previous provider to transfer.
- are resident in the UK for tax purposes and can therefore take advantage of the tax benefits of a SIPP and/or ISA. - are not resident in the UK for tax purposes
*If you require a guaranteed retirement income, you are able to build up a pension fund within the James Hay Modular iSIPP, then use the accrued fund to purchase an annuity from a third-party provider, which is designed to provide income that is guaranteed. James Hay does not provide annuities.