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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If you would like to access existing pensions by transferring them to the James Hay Modular iSIPP, please follow these simple steps:

1. Register with us

First register to set up your personalised James Hay Online account. This will allow you to arrange new products and to view and manage all your investments with us securely.

2. Get a SIPP illustration

Before you apply for the James Hay Modular iSIPP, we want to make sure you are happy with what the plan could provide. Here you can create an illustration based on the value of pension transfers and/or new contributions you wish to make. Your illustration can show

  • What your pension fund could grow to, based on different growth rates
  • How long you can take your preferred level of income before the fund is depleted
  • How much tax-free lump sum is available (if not taken already)

Please note: You must complete a SIPP illustration before you can apply to set up a Modular iSIPP with us.

3. Apply for Modular iSIPP

Once you are sure the James Hay Modular iSIPP is suitable, please complete a SIPP application. To transfer existing pension plans to us, you will be asked to detail information, including:

*Your existing scheme/plan’s administrator will be able to help provide the details required. The transferring scheme may also require its own transfer discharge form to be completed by you.


Please remember, James Hay cannot accept any transfer from final salary schemes or other pension schemes with safeguarded benefits unless you can provide documentation of advice from a regulated financial adviser that recommends the transfer.


4. Let us do the rest

Once you have provided your completed SIPP application, including pension transfer details, we will liaise with the existing scheme(s) to transfer your pension fund(s) to the James Hay Modular iSIPP. The time taken will depend on the speed of the transferring scheme and whether they require any further documentation. Generally, a cash transfer is quicker than an in specie transfer, depending on the investments involved.

We will inform you when the plan has been transferred and is available for you to decide your next steps.


Getting advice and guidance

The choices you make for your pension fund can determine the level of income you receive for the rest of your life. For this reason, investors are encouraged to seek regulated financial advice and guidance to decide the best course of action to take.

James Hay cannot provide advice. If you would like to speak to a financial adviser but do not have one, please visit www.unbiased.co.uk or call 0800 023 6868 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. You can receive Pension Wise guidance online, over the phone or face to face. 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.

Please note

James Hay cannot accept any transfer from final-salary schemes or other pension schemes with safeguarded benefits unless you can provide documentation of advice from an FCA-regulated adviser that recommends the transfer.

> What could I get in retirement

> Making the most of pension freedom

> Avoiding pension scams

> What you can do at 55 and how we can help

> Consolidating your pensions with James Hay

> How to take money from your pensions with James Hay

> Income-planning with the Modular iPlan

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