Creating a peer-to-peer pension

Whether you are an experienced SIPP investor looking to diversify your assets or someone starting out saving for retirement, the risks and returns of our peer-to-peer investments offer a range of benefits.

The Abundance Pension — which we have developed with Gaudi Regulated Services Limited (Gaudi)* — allows you to invest in a variety of projects offering returns that are largely uncorrelated with the performance of world stock markets. For instance with our renewable energy projects it is the price of energy that directly affect your returns, not share prices.

As well as allowing you to diversify your portfolio, our Debentures have a number of features that can be useful in a pension. We offer a dedicated Abundance Pension to let you easily add our Debentures to your pension portfolio. Read more about the Abundance Pension.

  • Invest in growing asset classes

    Our projects give you access to a variety of investment asset classes, such as renewable energy and other sustainable infrastructure. These sectors have grown enormously in recent years, attracting significant investment in the EU from pension funds and investment banks.

  • Diversify your investment portfolio

    Abundance lets you invest directly in a range of energy and sustainability projects, which allows you to diversify your investments quickly and easily even if you have a relatively modest amount to invest.

  • Returns that are less prone to market shock

    Market shocks and global uncertainty mean that investors are looking for assets that are uncorrelated to the stock markets. Our investments are correlated to other factors such as the price of energy, not the stock market, which can make them a valuable element in a diversified portfolio.

  • Regular capital and income payments

    Our investments generate regular cash returns from day one, which makes it easier to plan towards your retirement — whether you plan to draw a pension income or a lump sum.

* 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.