Provider fees

InvestEngine pension fees and charges

Last verified: Q2 2026 · Source: provider fee page

Direct answer: InvestEngine charges 0% platform fee on DIY portfolios and the SIPP; Managed portfolios add 0.25% p.a. (DIY ETF costs from 0.03%, Managed Growth average 0.12%). On a £100,000 pot that is £0/year in annual provider/platform fee, and on a £500,000 pot it is £0/year. Fund charges and product-specific caveats may apply.

Fee model

0% platform fee on DIY portfolios and the SIPP; Managed portfolios add 0.25% p.a. (DIY ETF costs from 0.03%, Managed Growth average 0.12%)

Zero platform fee (DIY) / 0.25% (Managed) · SIPP available · Retail only

Annual representative charge by pot size

Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: 0.03%–0.25% (ETFs only); ~0.12% average on Managed Growth

Note: 0% applies to DIY portfolios across all account types including the SIPP. The optional Managed service adds 0.25% p.a. (charged monthly on portfolio value). ETF charges and a market spread (~0.07% average on Managed Growth) apply on top — these aren't InvestEngine fees but underlying fund costs.

InvestEngine is a disruptive entrant in the UK SIPP market — a 0% platform fee on DIY portfolios (including the SIPP). The Managed portfolio service is 0.25% p.a. on top, still cheaper than many robo-advisers. The catch with DIY: you can only hold ETFs, not traditional funds or individual shares. For passive investors this may still cover the main asset classes through ETFs from Vanguard, iShares, SPDR and others. InvestEngine makes money from the spread on ETF trades and from its managed portfolio service. The platform is app-first and clean. The trade-off is platform maturity — it is a younger company than the established players — though assets are held by a regulated custodian and FSCS coverage may apply up to applicable limits.

Strengths

+0% platform fee on DIY SIPP — genuinely free
+700+ ETFs available
+Clean app-first experience
+Optional Managed service at 0.25%

Limitations

–ETFs only — no traditional funds or shares
–Younger company — less track record
–FSCS coverage limited to £85,000 per claim
–No phone-based customer service

Details

Fund range700+ ETFs — no funds, no individual shares

Minimum investment£100

Typical fund OCF0.03%–0.25% (ETFs only); ~0.12% average on Managed Growth

SIPP/direct pensionSIPP available

Compare InvestEngine pension fees with

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InvestEngine pension fees FAQ

What are InvestEngine pension charges in 2026?

InvestEngine's representative published charging model is: 0% platform fee on DIY portfolios and the SIPP; Managed portfolios add 0.25% p.a. (DIY ETF costs from 0.03%, Managed Growth average 0.12%). The figures on this page show provider/platform/admin charges by pot size. Fund charges, adviser charges, workplace terms and product-specific charges may differ, so check the provider fee schedule before acting.

All providers

HL Vanguard ii AJ Bell PensionBee Fidelity Aviva NESTInvestEngineNutmeg Royal London Sc. Widows Std Life L&G Aegon

Things to consider

•Fees shown are representative provider, platform or admin charges. Some rows are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management.
•Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
•The lowest headline fee is only one comparison point. Fund range, service, platform features, investment choice, adviser access, and product restrictions also matter.
•Transferring a pension may involve exit fees, loss of guaranteed benefits, or loss of employer contributions. Check before you transfer.
•This page is factual information based on published fee schedules, not a recommendation to use or avoid any provider.
•For personal recommendations, speak to an FCA-regulated financial adviser and check the FCA register.

This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. Verify current fees and product terms with the provider and check FCA authorisation before acting.