Investments

A range of investment portfolios for a range of saving needs.

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A range of investment portfolios

We’ve carefully selected a range of investment portfolios to meet a wide range of needs. So whether you’re looking for a high growth or conservative investment portfolio, or an investment that promotes a better world, such as our eco-conscious Climate Portfolio, we have it covered. If you’d like an investment portfolio that changes its approach as you age, our Target Date Portfolio will focus on growing your retirement savings while you’re younger and reducing your risk when you are older.

You can switch between the investment portfolios at any time. 

World leading investments

Each of our portfolios is carefully made up of world leading Exchange Traded Funds (ETFs) to achieve the appropriate balance of investments. Exchange Traded Funds (ETFs) are a modern and transparent way to save for the future, giving you access to outstanding investment opportunities. Our investment portfolios are diversified, meaning they invest in many different companies or across different countries and asset types (such as stocks and bonds).

PensionBee brand logo with subheading ETFs powered by State Street

Well-constructed investment portfolios

PensionBee has selected State Street Global Advisors (State Street), one of the largest money managers in the world, to provide model portfolios that underlie each investment portfolio option. Each investment portfolio is constructed with  Exchange Traded Funds (ETFs) managed by State Street. Read our Brochure for more information about the PensionBee IRA and important disclosures.

Learn more about State Street Global Advisors

Our investment portfolios

Choose from our carefully selected range of investment portfolios, designed to meet a wide range of needs.

Target Date Portfolio

Changes your investment strategy over time to grow your money when you're young and reduce risk as you get older.

Risk level
Varied
Asset allocation
View detailed asset allocation

Climate Portfolio

Aims to reduce the impact of climate change and increase access to sustainable investment opportunities.

Risk level
Lower
Asset allocation
Income
20%
Equity
80%
View detailed asset allocation

Maximum Growth Portfolio

Aims to provide long-term growth through higher risk investments.

Risk level
Higher
Asset allocation
Income
2%
Equity
98%
maximum growth donut chart
View detailed asset allocation

Balanced Portfolio

Aims to provide a balance between long-term growth and wealth preservation through medium risk investments.

Risk level
Medium
Asset allocation
Income
40%
Equity
60%
balanced donut chart
View detailed asset allocation

Conservative Portfolio

Aims to provide wealth preservation through lower risk investments.

Risk level
Lower
Asset allocation
Income
80%
Equity
20%
conservative donut chart
View detailed asset allocation

Target Date Portfolio

Changes your investment strategy over time to grow your money when you're young and reduce risk as you get older.

Risk level
Varied
Asset allocation
Growth
Stability
Years to retirement   |   Retirement


View detailed asset allocation

Climate Portfolio

Aims to reduce the impact of climate change and increase access to sustainable investment opportunities.

Risk level
Medium
Asset allocation
Income
20%
Equity
80%
View detailed asset allocation

Maximum Growth Portfolio

Aims to provide long-term growth through higher risk investments.

Risk level
Higher
Asset allocation
Income
2%
Equity
98%
View detailed asset allocation

Balanced Portfolio

Aims to provide a balance between long-term growth and wealth preservation through medium risk investments.

Risk level
Medium
Asset allocation
Income
40%
Equity
60%
View detailed asset allocation

Conservative Portfolio

Aims to provide wealth preservation through lower risk investments.

Risk level
Lower
Asset allocation
Income
80%
Equity
20%
conservative donut chart
View detailed asset allocation

Asset allocation disclaimer: Please note the asset allocations above are for illustrative purposes. Your actual asset allocation may differ owing to market conditions and the timing of portfolio rebalancing. In addition, a small amount of your portfolio may be held in cash for liquidity purposes or as part of our strategic asset allocation approach (in most circumstances this will be less than 5% of the total portfolio value). 

Div fade

About our model portfolios and the ETFs inside them

Invested in some of the world’s largest ETFs

Most of our model portfolios contain the SPY and MDY ETFs, two of the world’s most prestigious ETFs.

SPDR® S&P 500® ETF Trust (SPY)

Established in 1993, the SPDR® S&P 500® ETF Trust (SPY) is the world’s largest ETF with over $500 billion in assets (as of June 30, 2024). SPY gives investors cost-efficient, highly liquid access to the S&P 500® Index — providing access to 500 of the largest publicly traded US firms. These firms include: Microsoft, Apple, Nvidia, Amazon, Meta, Berkshire Hathaway, Alphabet, Eli Lilly and Broadcom.

SPDR® S&P Midcap 400® ETF Trust (MDY)

Established in 1995, the SPDR® S&P Midcap 400® ETF Trust (MDY) is a leading ETF with over $20 billion in assets (as of June 30, 2024). MDY gives investors efficient access to the S&P MidCap 400® Index, a benchmark for mid-sized companies. These firms include: Vistra, Williams Sonoma, Reliance, Carlisle and GoDaddy.

Designed by experts

PensionBee exclusively uses model portfolios and ETFs from State Street. Each State Street ETF Model Portfolio is designed and built by the same State Street team that manages money for central banks, pension funds, sovereign wealth funds, endowments and other large institutions. The team was established in 1982 and consists of over 130 investment professionals in 8 investment centers.

Learn more about model portfolios

Watch what sets the State Street model portfolios apart

How much does a PensionBee pension plan cost?

Rolling over your existing pensions is always free.

Once your IRA is with PensionBee, you pay one annual fee.

Our IRA has a single annual fee of 0.85%, which includes the cost of any plan you choose. This is deducted automatically from your account.

Our investment portfolios

Choose from our carefully selected range of investment portfolios, designed to meet a wide range of needs.

By signing up you will be invested in our default plan; the Target Date Portfolio which focuses on growing your retirement savings while you’re younger and reducing your risk when you are older. Once signed up you can change your investment plan to one of the others at any time if you wish.

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