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Best Pension for a Limited Company Director

Don't let uncertainty hinder your financial security—explore the options that suit your expertise and aspirations.
Andrew Murambi
Author: 
Andrew Murambi
Sharon Bahravi
Editor: 
Sharon Bahravi
Idil Woodall
Fact checker: 
Idil Woodall
19 mins
October 19th, 2023
Advertising Disclosure

A limited company pension provides a tax-efficient way for the company to build your pension pot for retirement. According to the latest data, most companies in the FTSE 100 channel between 7.5% and 11.5% of the director’s salary to their pensions.

Navigating the intricacies of retirement planning, though, can be daunting, especially with fluctuating incomes and evolving tax regulations. In this article, we'll guide you through the top pension providers tailored for limited company directors.

From hassle-free transfers and investment diversity to tax-efficient contributions, we've done the research to address your unique needs. Discover how to secure a well-structured retirement plan that aligns with your financial goals, ensuring you don't miss out on essential tax advantages and growth opportunities for your future.

Top Pension Providers – Our Recommendation

Limited Company Director Pension Plans – Reviewed

Since limited company directors typically have fluctuating incomes, they don’t qualify for conventional pension schemes. Therefore, we examine the eight best pension providers for limited company directors.

  • Best for hassle-free transfers – Interactive Investors

  • Best for experienced investors – Hargreaves Lansdown

  • Best for low-cost custody charges – AJ Bell

  • Best for versatility – PensionBee

  • Best for ready-made funds – Penfold Pensions

  • Best for investment diversity – Bestinvest

  • Best for automated investing – Moneyfarm

  • Best for consolidating vast sums – Netwealth

We chose these providers because they offer flexible contributions, DIY pension schemes, ready-made funds, and actively-managed schemes suited to the unpredictable earning patterns of most limited company directors.

1. Interactive Investors – Best for Hassle-Free Entry and Exit

Monthly Fees

£12.99 for the Pension Builder plan

Transfer out fees

£0

Minimum contributions

£0

Pension options

SIPPs

Flexible contributions

Yes

As one of the leading online pension brokers in the UK, limited company directors can rely on Interactive Investor for no-frills account openings and exits.

One of Interactive Investor’s key selling points is no fees for account opening or closing, unlike AJ Bell, who charges a £9.95 transfer out fee.

The award-winning provider is the second-largest investment broker. They also offer the occasional signing-up incentives and cashback offers for transferring pensions, while SIPP account holders don’t pay monthly fees for the first six months.

Pros
  • No charges for joining or leaving
  • User-friendly website
  • Fast and easy deposit and withdrawals
  • Economical for large portfolios
  • One of the largest community forums for DIY investors
Cons
  • No investment advice
  • Limited product portfolio
Interactive Investor7.6Visitii.co.uk

2. Hargreaves Lansdown – Best for Experienced Investors

Annual Fees

0.45% yearly, capped at £200

Transfer out fees

£0

Minimum contributions

$25 monthly, or £100 one-off

Pension options

SIPPs, S&S, bonds, investment trusts, ETFs, gilt

Flexible contributions

Yes

Why would a limited company director choose Hargreaves Lansdown (HL) for their pension investing? Because they offer a wide range of investment options if you know your way around trading.

HL is the largest investment platform, providing a raft of personalised and DIY assets and products, such as SIPP, ISA, and S&S. Even if you’re not a savvy investor, you have an option.

As a limited company director, you probably have a fluctuating income. HL accommodates this by allowing you to stop monthly contributions during a rough patch.

Pros
  • Personalized and DIY investing options
  • Beneficial to persons with fluctuating earnings
  • Robust research and analysis tools
  • Wide range of investing options
  • User-friendly platform
Cons
  • High FX, trading, and management fees
  • GBP as base currency limits international trading options
Hargreaves Lansdown8.3Visithl.co.uk

3. AJ Bell – Best for Low-Cost Custody Charges

Monthly Fees

0.25%, capped at £10 per month (SIPP)

Annual Fees

0.25%

Transfer out fees

£9.95

Minimum contributions

£1,000 lump sum (£800 from your pocket, £200 tax relief)

Pension options

SIPPs, Lifetime ISA

Flexible contributions

No

Investors should seriously consider AJ Bell’s 0.25% custody charges. Although it looks inconsequential next to one of the industry’s lowest offerings by PensionBee (0.28%), it adds up since pension savings are for the long term.

AJ Bell does not charge account set-up, inactivity, holding, or withdrawal fees, which is great for your investment.

Moreover, cash balances attract a minimum interest of 0.05% for balances above £10,000, which rises to 0.15% for amounts over £100,000.

Pros
  • No account set-up, holding, inactivity, or withdrawal fees
  • One of the best for smaller portfolios
  • Interest on cash balances
  • Intuitive investment platform
Cons
  • Limited selection of investment products
  • Fixed broker fee, not great for smaller portfolios
AJ Bell7.9Visitajbell.co.uk
Phone, Live Chat, Email
Android, iOS
2FA, Biometrics

4. PensionBee – Best for Versatility

Monthly Fees

£0

Annual Fees

0.50%, - 0.95% depending on the plan (Preserve Plan lowest at 0.50%)

Transfer out fees

£0

Account fee

0.50% - 0.95%

Minimum contributions

£0

Pension options

SIPPs

Flexible contributions

Yes

If you need a versatile way to contribute, PensionBee might be the way to go. PensionBee designed several plans suited to your investment goals, to which you can contribute as much or as little as you wish.

Savers can choose from high, medium, or low-risk plans (like Impact, Shariah, 4Plus, or Preserve Plans) invested across diversified countries and asset types (bonds, stocks).

You can transfer your pensions to PensionBee at no extra cost.

Pros
  • Diversified investment options
  • Suitable for beginners
  • Low annual management cost
  • Will consolidate all your pensions if you ask
  • No combining, transferring, contribution, or withdrawal fees (early withdrawal fees apply)
Cons
  • No trading platform for seasoned investors. Limited investment choices
  • No investment advice
Pension Bee6.0Visitpensionbee.com

5. Penfold Pensions – Best for Ready-Made Funds

Monthly Fees

£0

Annual Fees

0.58%

Transfer out fees

£0

Account fee

0.75% annually for Standard, Lifetime, and Sustainable plans; 0.88% on the Sharia plan

Minimum contributions

£0

Pension options

SIPPs

Flexible contributions

Yes

Penfold Pensions provides a simple app offering a variety of ready-made pension portfolios, minimising the hassle of self-selecting or trading.

The App designers targeted it at self-employed people with fluctuating earnings who don’t have the time to dabble in trading and investing.

Penfold’s digital platform will consolidate all your pensions into one handy pension pot in readiness for you to consult and select the right plan in line with your investment goals. The provider also offers a £1,000 bonus for consolidating your pensions.

Pros
  • Easy to set up
  • Low-cost savings plans
  • Vast assortment of ready-made funds
  • Will consolidate all your pensions
Cons
  • No trading platform. Limited investment options for trading experts
  • Scarce educational resources or expert consultation help
Penfold Pensions7.5Visitgetpenfold.com

6. Bestinvest – Best for Investment Diversity

Monthly Fees

£0

Annual Fees

0.4% for other investments, but a minimum of £120 annually, 0.2% for Ready made funds, a minimum of £120 yearly

Minimum contribution

£50 on most plans, £100 for the rest

Account fee

0.4%, minimum £120 per annum

Pension options

SIPPs

Flexible contributions

No

Bestinvest has operated in the investment industry for over 30 years, offering an extensive range of investment options good enough for any limited company director’s pension savings.

A look around the Bestinvest online platform reveals the award-winning provider offers a host of investment planning, investment advice, and financial planning services, ensuring a perfectly aligned customised pension plan suited to your savings goals.

Users can opt for DIY investments, ready-made portfolios, or seek financial advice from Bestinvest’s team of advisers before settling on a SIPP plan created from over 3,000 ETFs, funds, and shares.

Pros
  • £250 cashback plus 50% discount on service fees for transferring your pension
  • Pays transfer fees from the previous provider, up to £500
  • No fees on fund dealing and initial transactions
  • No annual limits on investing
Cons
  • Convoluted fees structure
  • High fees for DIY investments
Bestinvest6.5Visitbestinvest.co.uk

7. Moneyfarm – Best for Automated Investing

Monthly Fees

£10.34 self-managed & £15.67 actively managed on the Classic plan, £11.25 self-managed & £15.83 actively managed on the Socially Responsible plan

Annual Fees

0.45% on standard plans, 0.75% on actively managed funds

Transfer out fees

£0

Minimum contributions

£100

Pension options

SIPPs, S&S ISA, General Investment Account

Flexible contributions

No

Like most other providers on this list, Moneyfarm is an online-only investing platform—with a twist.

The platform employs robo-advisers, facilitating automated investing and digital financial advice suited to casual investors. Automation enables investing with minimal human intervention.

Moreover, Moneyfarm uses a passive investment strategy to select or time the market, spreading funds across diverse assets like bonds, stocks, and cash. The firm has an investment team who will make the investing decisions.

Pros
  • Set-and-forget investing process
  • Low fees (0.25% - 0.75%)
  • Simple approach to investing
  • Free transfers and drawdown
Cons
  • High minimum investment
  • High minimum contributions
Moneyfarm7.5Visitwww.moneyfarm.com/uk/

8. Netwealth – Best for Consolidating Vast Sums

Monthly Fees

£0

Annual Fees

0.85% (minimum £1,700)

Transfer out fees

£150

Account fee

£150 pension provider charge, £75 income drawdown set-up charge

Minimum contributions

£0

Pension options

SIPPs

Flexible contributions

No

If you do not desire to spend time trading and managing the investment and several sizeable pension pots that need consolidating, have a look at Netwealth. The provider has a professional investing team to handle pensions.

First, you’ll meet certified financial planners who will ask you a series of questions and provide suitable recommendations after establishing your savings goals. After receiving the advice, you’ll set up a customised pension plan.

The investment team will take it from there and set about achieving the savings target by trading on your behalf. Netwealth is the ideal provider if you don’t want to make monthly contributions.

Netwealth’s financial advisers will also be at hand to answer any queries you might have, although they will charge you for specific advice.

Pros
  • Consultations with a certified adviser
  • Wide array of customisable investment options
  • Can trade in GBP, USD, and EUR
  • Transfer and consolidation of your pensions
Cons
  • Hefty administrative charges, but lower than traditional wealth manager
  • Prohibitive minimum investment
Netwealth6.5Visitnetwealth.com

Director Pensions Explained

A director pension is an investment product designed for limited company directors to save for retirement. The goal is tax-efficiently transferring funds from the company to personal investment accounts intended for retirement.

How Do Pensions Work for Company Directors?

Pensions for company directors operate similarly to regular pensions but may include additional features and considerations:

  • Contribution: You can make pension contributions personally and through your limited company as your employer.

  • Annual allowance: This is the maximum, legally allowable yearly contribution. Exceeding this allowance attracts taxation.

  • Pension tax relief: Personal and employer contributions are tax-deductible.

Am I automatically enrolled in a pension scheme as a director?

Benefits of Company Director Pensions

Company directors can be employees and employers, with significant tax implications on pensions as outlined below:

The tax efficiency of director pension contributions

Making company director pension contributions has several tax benefits, including corporation pension tax relief and the potential for savings. Personal pension contributions benefit high-rate taxpayers more than basic-rate taxpayers.

Corporation tax relief on pension contributions

Company contributions are written off as allowable business expenses, lowering your corporate tax. On paper, this will reduce your company’s profits, but you will keep more money in the long run. You also don’t have to pay National Insurance contributions.

National insurance relief on pension contributions

Besides receiving corporation tax relief on premiums, limited company pension contributions are exempt from employer National Insurance contributions.

If you are subject to the 100% PAYE earnings rule, which limits funds you can put into a personal pension, this is a more tax-efficient option than making pension contributions yourself.

Other tax-efficient ways to employ cash as a company director

There are several tax-efficient ways to invest cash:

  • Dividends: These are discretionary and contingent on the company’s financial situation, so they are not subject to National Insurance Contributions.

  • Small-self-administered pension scheme (SSAS): As a family company director, you can establish SSAS for yourself and a select group of employees to provide family members with pensions and shares in the company’s assets.

  • Self-invested personal pension (SIPP): You can also consider SIPPs as they offer a wide range of investment options and flexibility, allowing for more frequent portfolio management and investing.

Company directors should consult professional advisers before making pension contributions and retirement planning decisions due to the complexity of pensions and tax laws.

Types of Company Director Pensions

A company director has a range of personal pension options at their disposal. All they have to do is settle on a defined contribution plan from a desired provider, be it a SIPP, stakeholder pension, traditional personal pension, or other fund, and pay the monthly contributions.

Traditional personal pension

A traditional personal pension is a defined contribution pension where the amount you contribute and how well your investment performs determines the amount you receive in retirement.

The plan offers three investment options:

  • Insurance company funds: An insurance company invests your money across various funds.

  • Cash: A low-risk investment yields lower returns than most other pension options.

  • Ready-made personal pensions: Pre-packaged plans. Promises lower fees and less involvement in the investing process.

Stakeholder pensions

A stakeholder pension is a defined contribution pension plan that allows for retirement savings through regular but low contributions.

The scheme is ideal if you need a basic pension plan strictly regulated to offer default investment funds, flexible contributions, low minimum contributions, unit and investment trusts, fee-free transfers, and capped charges.

However, a stakeholder pension has limitations in the investments it can hold, leaving you with fewer options than with other pension plans.

Self-Invested Personal Pension (SIPP)

SIPPs provide more investment options than traditional personal and standard stakeholder pensions. Due to the extensive list of assets and funds, these are best left to seasoned investors. Possible investment options include:

  • Unit trusts and investment trusts

  • ETFs

  • UK shares and bonds

  • Cash

  • National Savings and Investment products

Workplace pension options

A workplace pension is a retirement savings option set up by an employer, allowing directors to deduct pension contributions from their salary. Examples include group stakeholder pensions, SSAS, and Multi-Employer Pension Schemes.

Group stakeholder pensions

In this arrangement, you contribute to a collection of stakeholder pensions provided by the company. You will contribute to the pension as the company dictates, making an equivalent contribution.

Group stakeholder pensions offer flexible contributions, enhanced tax benefits, lower charges, and operate under more rigorous regulations than individual plans. However, they offer limited control and investment options which may not be ideal for directors.

Small Self-Administered Pension Schemes (SSAS)

An SSAS applies to a select group of company employees or directors, usually up to 11 employees.

The main perk of an SSAS is the greater freedom in choosing investment options for the scheme’s funds. An SSAS relies on trustees usually selected from the scheme members.

A pension plan trustee or scheme administrator is responsible for tasks like:

  • Scheme registration with pension regulators

  • Registering pension with HMRC

  • Filing required returns

  • Sorting tax benefits for contributions

  • Paying specific taxes

Multi-employer pension schemes

It’s an umbrella term for workplace pension schemes accessible to employees of different companies and run by a board of trustees. These schemes are a popular choice for auto-enrolment.

They pool funds from many companies, resulting in lower administrative costs and better investment opportunities for the members. They offer little wiggle room for personalised plans or involvement in investing, so they are not ideal for limited company directors.

Contribution Limits and Tax Relief

Contribution limits and tax relief are crucial aspects of pension planning, as they impact how much a company can pay into a director’s pension.

How much can a company pay into a director’s pension?

There is no limit on the amount a company can contribute to your pension and still claim pension tax relief, as long as it meets the “wholly and exclusively” test by HMRC and doesn’t exceed the company’s annual profits.

Some directors sell or buy UK businesses to fund their retirement, using the proceeds to boost their savings.

You can also make personal contributions to your pension, up to 100% of your salary.

How much can a director personally pay into a pension?

The annual pension allowance for a director for 2023-2024 is £60,000. The first £60,000 doesn’t count towards your annual allowance so you can contribute it to your pension.

Salaries and dividends can affect your yearly allowance. Dividends are worth £1 for every £3 of your salary. So if your yearly wages are £60,000 and £20,000 in dividends, your annual allowance reduces to £40,000.

Many directors use this strategy since a limited company can make unlimited contributions to a director’s pension. Even if the director’s salary is below £60,000, the company can contribute the full £60,000 annual allowance.

Tax relief for director pension contributions

If a company meets specific criteria, including not exceeding the annual allowance of £60,000 and being deemed “wholly and exclusively” for business purposes, contributions to a director’s pension may be exempt from taxation.

Basic-rate taxpayers automatically get 20% relief at source, while those paying the higher or additional rates must file a Self Assessment tax return.

Tax relief comparison for personal and company payments

Private pension contributions can attract up to 100% tax relief. Personal pension contributions are subject to tax relief based on their marginal tax rate.

Company pension contributions become pre-corporation tax and are not subject to national insurance or personal income tax.

When determining the amount of tax relief for either type of contribution, use the highest marginal tax rate of the contributor.

How to Choose a Provider for Director Pensions

You should consider these factors:

Cost Structures

Failure to appraise the charges could lead to surprise fees taking a huge chunk off your funds and profits.

For example, if you start with a small amount, a percentage fee may cost less than a fixed fee but will prove costly for more considerable sums. Opt for providers with a lower percentage rate as the pension fund grows.

You should also beware of hidden costs such as share trading price, funds transfer, and FX rates.

Minimum Contributions

These vary from provider to provider, with some charging as little as £1 while others charge several thousand. Ensure the minimum and initial contributions won’t strain your finances.

Investment Options

Investing needs and expertise vary widely, so lean toward providers suited to your abilities. For instance, choose a platform that offers managed funds or ready-made portfolios if you’re a novice investor.

On the other hand, an experienced investor would do well in a platform providing a wide array of asset classes, including funds, bonds, ETFs, and S&S.

Flexibility With Contributions

Limited company earnings typically fluctuate monthly, affecting your ability to meet set monthly contributions. Settle for a provider with flexible contribution options.

Best Picks for Various Needs

Best pension providers for high-earning directors

High-earning directors should reclaim their personal allowance by reducing their PAYE salary and depositing the rest as a pension contribution up to the allowable yearly limit, as this is more tax-efficient.

The best pension providers for high-earning directors include Netwealth, AJ Bell, HL, Moneyfarm, Bestinvest, and Interactive Investors. These platforms offer a mix of low fees for larger funds, diverse investment options, and actively-managed portfolios.

When deciding on a pension, the following are essential considerations:

  • Costs and penalties

  • Tapered annual allowance

  • Investment options

  • Alignment with investment goals

Best pension providers for experienced director investors

Account Fee

Buying and selling shares

Fractional shares?

FX rate

Transfer out fee

Hargreaves Lansdown

0.45%

£11.95

No

Spot rate + 1%

Free

AJ Bell

0.25%

£9.95

No

Spot rate + 1%

£9.95

Interactive Investor – Investor plan

£12.99 pcm

£5.99

No

Spot rate + 1.5%

Free

Bestinvest

0.4%, min. £120 p.a.

£4.95

No

Spot rate + 0.95%

Free

Best director pension providers for ready-made funds

Here are the best director pension providers for ready-made funds.

Platform Fee

Fund Cost

Transfer out fee

Pension Bee

0.5% – 0.95%

0.03% transaction cost

Free

Netwealth

£150

0.70%

£150

Penfold

0.75%

Free

Free

Moneyfarm

0.75%

0.2% fund fee

Free

How to Start a Company Director Pension

You are responsible for managing your pension, so here are quick guidelines:

How to Make Company Director Pension Contributions

You can make pension contributions in two ways:

  1. Personal pension contributions: Contribute up to the annual allowance and receive tax relief at your highest marginal income tax rate.

  2. Contributions via a limited company: The company may contribute up to the annual allowance to your pension plan. You can receive corporation tax relief because these qualify as business expenses.

Tax relief when making personal pension contributions

Your marginal tax rate determines tax relief for salary contributions. While there are no limits on contributions, you will only receive tax relief on 100% of your income or £60,000.

The government lowered this limit to £3,600, including tax relief, for pension savers without incomes or incomes below £3,600.

How to Contribute via a Limited Company

  1. Since employer contribution is an allowable expense, your company can receive tax relief up to 25% through contributions from pre-taxed company income.

  2. The ‘wholly and exclusively’ test determines whether an employer’s pension contribution is tax deductible.

  3. HRMC will also check whether pension contributions exceed your company’s annual profits and if your employees receive the same pension contributions as others with comparable responsibilities.

Tax relief when making employer pension contributions

Company contributions are allowable business expenses. You can deduct these contributions from your corporation tax and save up to 19% for your business.

Additionally, you can save 13.8% since your company doesn’t have to pay National Insurance on pension contributions, which results in a 32.8% total tax savings.

Do You Need a Director’s Pension?

While the complexity of pensions and tax laws underscores the importance of seeking professional advice, one thing is clear: a well-structured director's pension can be a powerful tool for securing your financial future. By understanding the contribution limits, tax reliefs, and potential investment avenues, you can make informed decisions that align with your retirement goals and aspirations.

So, to answer the question, if securing tax-efficient, versatile, and well-funded retirement matters to you, then yes, a director's pension could be a crucial component of your financial strategy.

FAQs

What are the other tax-efficient ways to employ cash as a company director?
Can I contribute to my pension via my limited company?
How much tax could I save by contributing to my pension via my limited company?
How much can a company pay into a director’s pension?
What is a director’s pension scheme?
What is the highest director pension contribution per month?
As the director of a UK-based limited company, can I use pension contributions to build my personal credit score?

Additional Resources

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  • According to the Pensions and Lifetime Savings Association, the average UK pensioner needs at least £12,800 a year to meet the minimum living standard.
  • House prices have been on the rise for many years, and it's no wonder why so many people are turning to property as an investment option. However, investing in a pension or increasing pension contributions can also be incredibly beneficial as they are supported by government tax relief. So, which one is the better investment – pension or property? Let's find out!
  • Choosing between a Lifetime ISA or pension could be your golden ticket for retiring in style, so let’s learn about the ins and outs of these long-term saving instruments.
  • Are you looking for a flexible and controllable way to invest your pension savings? If so, you might want to consider a self-invested personal pension (SIPP). Unlike traditional pension plans, SIPPs give you the freedom to manage your investments in a hands-on manner and invest in a variety of assets, including stocks, bonds, and mutual funds.

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Contributors

Andrew Murambi
Andrew is an experienced finance writer. With an unwavering passion for the subject, he has spent years crafting insightful articles that demystify complex financial concepts. Armed with a keen analytical eye and a knack for delivering concise yet compelling content, Andrew strives to bridge the knowledge gap in the world of finance.
Sharon Bahravi
Sharon Bahravi has been a developmental and managing editor since 2010 and helps authors through various stages of their manuscripts and blogs. An entrepreneur, educator, speaker, and fitness trainer, she has written on a range of subjects and heads up the Language Analyst team for Pluralytics. Sharon loves horses, music, poetry, and coffee - not necessarily in that order.
Idil Woodall
Idil is a writer with interests ranging from arts and politics to history and finance. She spent several years in publishing before becoming a full-time writer, and learning the inner workings of an industry she loved ignited her interest in economics. As an English graduate, she cultivated valuable research and storytelling abilities that she now applies to make complex matters accessible and understandable to many. When she’s not writing, she can be found climbing or watching a movie.