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

  • If set up online, NO cost to set up an SIPP, ISA or GIA
  • £195 SIPP annual administration charge, reducing to nil if £195,000 + held in qualifying investments across Modular iPlan
  • Annual platform charge of 0.18% of what you hold in the Investment Centre, falling to 0.05% on portfolios of £1 million+

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. See our full Charges Summary for details.


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) £195 (Nil if £195,000+ in Investment Centre, cash deposits or bank account across whole iPlan) N/A N/A
To administer investmentsModular iSIPPModular ISAModular GIA
Annual Investment Centre platform charge First £500,000 - 0.18%pa
Next £500,000 - 0.15%pa
Over £1 million - 0.05%pa
Buy, sell or switch Investment Centre investments online Nil N/A N/A
Optional Whole of Market Module* £100pa £100 + VAT pa £100 + VAT pa
Optional Commercial Property Module* £100pa N/A N/A
*Further administration and transaction charges apply within these modules. Please see our full Charges Summary for details.
Putting Money InModular iSIPPModular ISAModular GIA
Single ad-hoc cash contributions £50 per contribution N/A N/A
Transfer from another plan (per transfer) £50* £50 + VAT* £50 + VAT*
*Subject to maximum of £200pa per product.
Taking money outModular iSIPPModular ISAModular GIA
Set up income drawdown £100* N/A N/A
Annual income drawdown charges £150pa** N/A N/A
Uncrystallised funds pension lump sum payment £100 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 ñ 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 our full Charges Summary for details.