About the Abundance Pension

The Abundance Pension lets you easily add our investments to your pension plans, generating a retirement income that also builds a decent environment to spend it in.

Our Pension enables you to hold our peer-to-peer investments in a tax-efficient self-invested personal pension (SIPP), allowing you to diversify and complement your existing pension holdings.

The Abundance Pension has been developed by Abundance in conjunction with Gaudi Regulated Services Limited (Gaudi)* and is a single asset SIPP, meaning you can only hold Abundance investments in the Abundance Pension.

The main features of the Abundance Pension are outlined below. For full details please see the Abundance Pension Key Features and Terms & Conditions documents which can be accessed here.

  • Regular capital and income payments

    Many of our investments feature twice-yearly payments of capital and income, meaning they can be used to generate a regular income in the drawdown phase of a pension.

  • Long term investment

    The lifetime of our investments is usually 15 - 20 years, making them a good fit for long term financial goals such as creating a retirement income.

  • Range of ways to make your contributions

    You can make new contributions into your Abundance Pension by Standing Order or direct from your employer, with funds available for investment in just 1 - 2 working days after they have been received and accepted by your pension. You can also transfer funds from an existing personal or company pension.

  • Investments are tradeable

    Our investments are tradeable assets, so you can look for a buyer for your investments (or any part of them) at any stage of the term using our free marketplace. This gives you flexibility in managing your pension holdings with us.

  • Start your pension with £5,000

    You need to fund your Abundance Pension with a minimum of £5,000. This can either be a £5,000 transfer from an existing pension, or new pension contributions of £4,000 (since new contributions attract an immediate 20% tax relief, which is deposited directly into your SIPP for investment). Find out why we have a minimum initial investment amount.

    Higher rate tax payers can also reclaim an additional 20% tax relief on new contributions via their tax return, further reducing the effective cost of starting an Abundance Pension to £3,000 (based on 40% total tax relief). Find out more.

    Please note; tax relief levels on pension contributions are subject to change by HMRC

* The Abundance Pension is a self-invested personal pension (SIPP) provided by Gaudi Regulated Services Limited (Gaudi), who are authorised and regulated by the FCA (488015). Setting up an Abundance Pension involves entering into a SIPP contract with Gaudi to hold Abundance investments. Abundance is not a direct pension provider and cannot give pension advice.

As with any investment product there are risks. Part or all of your original invested capital may be at risk and any return on your investment depends on the success of the project invested in. You should be prepared to hold Abundance investments for their full term (and many will have terms of more than 15 years). Abundance investments may not be readily realisable (and their value can rise or fall). They may be secured or unsecured, and where they are secured this does not ensure repayment. Estimated rates of return can be variable and estimates are no guarantee of actual return. Specific risks will apply in relation to each product. Consider all risks before investing and read the Offer Document for each investment.