Conservative Anchor
3.8 – 5.2% / yr
- 70% gilts & bonds
- 20% FTSE blue-chip equities
- 10% cash equivalents
For investors within 5 years of retirement.
Coop with Adam helps UK residents decode SIPPs, ISAs, workplace pensions and the State Pension. Independent guidance, transparent fees, real numbers.
A pension fund is a pool of capital — yours and your employer's contributions — invested over decades to fund your retirement income. In the UK, you'll typically combine the State Pension, workplace pensions (Defined Benefit or Defined Contribution), and personal vehicles like SIPPs and ISAs.
The right mix depends on your timeline, risk tolerance, and the lifestyle you want at 65, 70, or beyond. We help you see the full picture.
Three risk profiles, infinite combinations. Each portfolio is mapped to your retirement horizon.
3.8 – 5.2% / yr
For investors within 5 years of retirement.
5.5 – 7.8% / yr
For 10–20 year horizons seeking steady growth.
7.5 – 10.4% / yr
For 20+ year horizons with higher risk tolerance.
Guaranteed monthly income for life. Predictable, but inflexible — best paired with other sources.
Keep your pension invested and draw a sustainable income directly from the pot. Full control retained, subject to market performance.
Take your entire pension pot as cash, with 25% typically tax-free. Suitable for smaller pots or specific liquidity needs.
Blend an annuity floor with a flexible drawdown portfolio — security for essentials, plus growth potential.
30 minutes, no commitment. We map your current pension setup.
We analyse fees, allocation, tax exposure and projected income.
You receive a written plan with scenarios and recommended actions.
Markets shift, life shifts. We rebalance with you every year.
Drop your question about pensions, SIPPs, drawdown or fees. We respond within one business day — no obligation.
"Adam restructured my DC scheme and saved me £900/yr in hidden fees."
— Margaret L., London
"Finally someone who explains State Pension deferral in plain English."
— Jean-Paul R., Manchester
"The roadmap gave my wife and I confidence to retire two years earlier."
— David & Anne S., Edinburgh