4Plus Plan
Invests your money in a range of assets that are adjusted on a weekly basis depending on market conditions by experts at State Street Global Advisors.
Could be suitable forAnyone who is considering accessing their pension in the near to medium term and wishes for their returns to be actively managed by experts in the meantime
Investment Type
Data provided by Morningstar
Risk/reward profile
Each of our pension plans invest in a different range of assets to meet the needs of its target customer. The mix of assets defines whether the plan is considered higher-risk (designed for growth) or lower-risk (designed for stability).Medium
This medium-risk plan, with a balanced approach to growth, will invest your money into a mix of assets, including equities (company shares that are traded on stock markets) and bonds (a type of loan guaranteed by a company or government). Equities have higher growth potential but are more susceptible to market volatility, while bonds offer more modest but more stable returns.Plan factsheet
We've simplified each plan's risk rating on this page to a higher/medium/lower scale to aid comparison. Plan factsheets may use a different scale, representing the money manager's own methodology.4Plus Plan FactsheetAbout our default plan for customers 50 and over
The 4Plus Plan aims to grow your pension savings by 4% per year above the Bank of England’s base rate over a minimum five-year time period. Its holdings may be adjusted weekly depending on market developments, as it seeks to balance growth and stability.We also have a default plan for customers under 50, the Global Leaders Plan . This plan invests in around 1,000 of the world’s largest and most recognised public companies. This approach offers customers a greater opportunity to grow their money before they retire.The 4Plus Plan is designed to meet the needs of a typical non-advised customer aged 50 or over and may not be suitable for all customers. You may wish to consider our other investment options or seek independent financial advice.Total annual fee
With PensionBee you pay just one annual fee, taken from your pension pot.0.85%Annually
Have over £100,000? We'll halve the fee on anything you save over that amount.