Pension and Investment

Group SIPP

The HL Workplace pension is designed with Financial Services employees in mind. It’s an auto enrolment compliant Group SIPP (Self-Invested Personal Pension) with an excellent default fund which suits many employees. Or for those employees who are happy making their own decisions, there is a wide range of investment options to choose from.

Wide investment choice and inspiration

Employees can pick from thousands of funds, UK and overseas shares, investment trusts, exchange traded funds (ETFs), bonds & gilts, cash and more to match their investment goals. Or they can get investment ideas provided by our team of experts via our Starter Funds, Wealth Shortlist, or our Ready-Made Investments, an all-in-one portfolio of funds created by our investment specialists. These options are not personal advice. If you’re not sure of the suitability of an investment, ask us about advice. Investments can rise and fall in value, so employees could get back less than they invest.

DEFAULT FUND

For those who aren’t comfortable choosing their own investments, our specialist research team selects a low-cost default fund for your Workplace Pension.

STARTER FUNDS

For those who want to choose their own funds, but are unsure where to start - our experts suggest three simple fund ideas that could appeal to almost any type of investor, an Adventurous fund, a Balanced fund, and a Cautious fund.

WEALTH SHORTLIST

This is a curated list of funds which our analysts believe have the potential to outperform their peers over the long term.

FULL INVESTMENT CHOICE

Members can choose shares from major stock exchanges, investment trusts, exchange-traded funds and more.

Investing responsibly with our default fund

Sustainable and ethical behaviour is becoming increasingly important, and our investment choices are no different. From an Environmental, Social, Governance (ESG) perspective, our default fund will apply exclusions and tilt toward companies that score well on a range of ESG criteria and away from those that score less favourably.

The HL app

Our highly-rated (4.7* on the Apple App Store) mobile app allows our pension members to manage everything in one place.

  • Fast, secure account access
  • Keep track of investments
  • Faster, simpler trading
  • Top up and withdraw cash on the go

App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

SPOTLIGHT ON:

Compliance with your PA dealing policy

We help both employers and employees meet their personal account dealing (PAD) requirements. Our simple and efficient reporting process to your compliance team provides a daily detailed breakdown of all the transactions placed by your employees, whether they’re dealing in their Group SIPP, ISA or general investment account.

Your funds on HL

We run pension and workplace savings plans for many top asset and fund managers. If you have funds that you’d like your employees to invest in via the HL platform, we’d be happy to assess their suitability.

Options at retirement

At HL, we offer all the main retirement options under one roof, to help ensure the best possible outcomes. From shopping around for the best annuity to a low-cost drawdown service, we've got it covered.