older couple walking in the hills, holding hands.

Your total retirement wealth planning solution

Key features:

  • Flexible – Designed to support your retirement goals with 24/7 online access for you to view or change your investment options when you need.
  • Stable – With over 40 years’ experience in retirement wealth planning, we have created the tools you need for efficient management.
  • Market-leading products - With our Modular iSIPP at the core of the Modular iPlan, you have the option to add an ISA and GIA wrapper.
  • Fair pricing - You only pay for what you use, when you use it.

The Modular iPlan is our flexible and cost-effective solution for you to manage your pensions and investments - all in one place.

Within the Modular iPlan, you start with our self-invested personal pension (SIPP) - the Modular iSIPP. With the Modular iSIPP you can access over 3,700 funds at competitive prices with the option to add further investment modules to diversify your portfolio. Once the Modular iSIPP is in place, you then have the option to add an Individual Savings Account (ISA) or if you want to invest beyond the pension and ISA allowances, you can add a General Investment Account (GIA).

Please note: you must have an appointed financial adviser before you can apply for a Modular iPlan.

Modular iPlan options

Modular ISA (optional)

  • Invest up to £20,000 a year (2022/23 limit)
  • Fund grows largely tax-free
  • Access at any time
  • Take 100% of fund tax-free
  • Optional investment modules - Whole of Market

Modular GIA (optional)

  • No investment limit
  • Fund growth is taxable
  • Access at any time
  • Income and capital gains subject to tax
  • Optional investment modules - Whole of Market

Online, informed and in control

One of the most important aspects of the Modular iPlan is the online functionality that enables you to keep track of your investments.

With a James Hay Online account, which you can open once your Modular iSIPP is in place, you can: 

  • buy, sell or switch investments
  • monitor and manage your income
  • view up to date valuations, current and historical summaries
  • and much more

What are the benefits?

  • A flexible and fair pricing structure means only paying for what you use.
  • A full range of investment wrappers including SIPP, ISA and GIA.
  • Manage retirement income and investments anytime, at the click of a button.
  • A wide choice of investment options with online access to over 3,700 funds from leading fund managers via our Investment Centre.

literatureWho can open the Modular iPlan?

Please remember

Modular iPlan products are not suitable for all investors, and you must have a financial adviser appointed to apply on your behalf. If you do not already have one, you can get a list of regulated financial advisers in your local area at www.unbiased.co.uk or by calling 0800 023 6868.