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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Summary of charges


  • NO set up charge
  • NO charge for cash transfers
  • NO charge to buy or sell Investment Centre funds online

A summary of charges is shown below. Please note these are the charges that apply if the plan is set up and managed completely online. Other charges may apply.

To set up the planModular iSIPPModular ISAModular GIA
To set up the plan online Nil N/A N/A
Annual administration charge (taken in advance) £179 (Nil if £200,000+ in qualifying investments > Cash held in your bank account in relation to a SIPP, property, GIA or ISA

> Investments held in the Investment Centre

> Model portfolios held via the Managed Portfolio Panel

> Balances on fixed term deposit accounts
Annual platform charge
First £300,000 - 0.25%
On next £300,000 – 0.20%
On next £400,000 - 0.15%
On next £500,000 - 0.05%
Over £1.5 million - 0.01%
To administer investmentsModular iSIPPModular ISAModular GIA
Buy, sell or switch Investment Centre investments online Nil Nil Nil
Optional Whole of Market Module* £102pa £102 + VAT pa £102 + VAT pa
Optional Commercial Property Module* £102pa N/A N/A

*Further administration and transaction charges apply within these modules. Please see the product charges schedule for full details.

Putting money inModular iSIPPModular ISAModular GIA
Single ad-hoc cash contributions Nil Nil Nil
Cash transfer from another plan (per transfer) Nil Nil Nil
In-specie transfer from another plan (per transfer) £50 £50 + VAT* £50 + VAT*

*Subject to maximum of £200pa per product transferred in.

Taking money outModular iSIPPModular ISAModular GIA
Set up income drawdown £100* N/A N/A
Annual income drawdown charges £154pa** N/A N/A
Uncrystallised funds pension lump sum payment £100 N/A N/A
Arranging annuity purchase £150 N/A N/A

*Applies every time a pension commencement lump sum (PCLS) The tax-free lump sum available on both defined benefit and defined contribution pension schemes. Typically 25% of the pension fund (subject to a maximum of 25% of the lifetime allowance) can be taken as a tax-free sum. The rest of the pension fund must be used to provide an income and in the case of a defined contribution scheme this can be done by buying an annuity or using income drawdown. is paid. Also applies to set up drawdown for a transferred plan where no further PCLS is payable.
** Applies as soon as drawdown is set up, even if no income drawn

Other charges apply. Please see the literature section for details.