We found 11 online brokers that are appropriate for Trading UK Investment Platforms.
A pension is a person's savings plan where they pay in regular payments during their employment years in order to create a pot of money. This amount is then acquired as a steady income after they retire.
Individuals can also plan the amount of their income using their investments, savings, occupational or personal pension. While investments and savings may be a feasible option, a pension must be the first stop over for the majority of people. At its very core, a pension is always a savings plan, albeit specifically designed to provide the recipients with a steady income that they can live on once they retire. A pension also comes with a lot of tax as well as contribution advantages.
A person's pension is invested in the pension funds of their choosing, i.e., the selection their pension scheme offers them. The funds invested then grow with time, and that maximises the worth of the fund so that the pension holder can acquire the maximum income conceivable once they reach the age of retirement.
Pensions are available in several different types of arrangements. These include State Pension programs that offer financial support when an individual classifies as a senior citizen (this support is limited, however); private pension programs allowing freedom for an individual to build a much larger fund to support them in their retirement; and occupational pensions where the individual's employer also contribute monetarily to their pension pot. Following are the three main pension types in more detail:
Most individuals get State Pension, which is allotted by the government. A State Pension is a highly secure lifetime income, and it also happens to go up according to the inflation rate every year. For this, individuals are required to accumulate their right to the State Pension which is done by contributing to their National Insurance while they are still employed. In certain cases, it can still be done while the person seeking pension is not working, i.e., when there are raising children or claiming particular benefits.
From April of 2016 and forward, a newly established lump sum was introduced. As for the current tax year, i.e., 2024-2025, the new State Pension is set at £179.60 on a weekly basis.
It is still possible for a pension seeker to be more than this, granted they have accumulated their entitlement under the predating April 2016 scheme to “additional state pension”. They could also be entitled to less if they had previously decided to contract themselves out of the additional state pension.
To e entitled to a complete State Pension, an employee, or former employee must have thirty-five years of qualification their National Insurance record. It is also a requirement for individuals to have at least ten years of qualification on their National Insurance record in order to qualify for any form of State Pension at all.
A person is most likely eligible for a defined benefit, or DB pension if they work, or have worked for a large organization or in the public sector. This “defined benefit” pension is a salary related pension that disburses a steady income for life and increases every year. This type of pension is based on how long an employee has been contributing to a scheme, as well as how much they earn.
Individuals may have an ultimate salary scheme where their pension depends on their pay when they choose to retire or exit the scheme they work for, or otherwise, a scheme where the individuals pension is in accordance with the average of their income while they were still working for said scheme. While this is becoming less and less common in the private sector, it is still regularly practiced in the public sector.
In a defined contribution pension program, an individual accumulated a pension pot that they can withdraw income from when they either stop working or cut down. For this, the recipient must be a least fifty-five in order to be eligible for withdrawing that money. In this particular pension program, an individual can normally withdraw a quarter or 25% of their accumulated pot without having to pay taxes.
The amount that accumulates relies on the following factors:
The government, in order to reduce the bill for State Pension, previously permitted individuals who wanted to save on their pensions to “contract out” of having to be a part of the second State Pension program. Individuals paid lower National Insurance and, as a result, did not receive the additional State Pension. Also, the money they ended up saving in National Insurance was added to their private or occupational pension.
The DWP, or the Department for Work and Pensions, uses a formula - which involves them taking into consideration the amount of full National Insurance years an individual has, as well as their periods of contracting-out, and the additional State Pension that was accumulated by them over time - to determine how much State Pension they owe the individual.
If anyone has not ever been contracted out or managed to earn any additional State Pension - the calculation determining how much they are entitled to will be a lot simpler.
For instance, if an individual has twenty-five years of qualification on their National Insurance record, in that case, their State Pension can be determined by dividing £179.60 by 35, and then multiplying the result by 25. This means that their new State Pension will be £128.30 per week.
Anyone's new State Pension is based on their what their National Insurance record holds when they finally reach the required State Pension age.
It is viable for them to increase what they are entitled to by adding on to their National Insurance record before they reach that required State Pension age.
It is also possible to apply for National Insurance credits. National Insurance credits help fill gaps between a pension seeker's record. Besides this, people also take part in paying “voluntary contributions”.
Lastly, individuals eligible for State Pension can also defer their State Pension. That allows them to give their State Pension a boost by delaying when they wish to withdraw it.
A “Pension pot” is the amount of savings an individual manages to build up in a particular type of pension called a “defined contribution” pension program. If the individual happens to be employed, they and their employer contribute financially to a scheme and this as a result, accumulates what is known as a pot of money over a period of time. This money can be used by the individual to give themselves an income when they wish to slow down on work or completely stop working. This applies to stakeholder and personal pension programs.
A personal pension is arranged by an individual themselves, and not their employer. Employers are usually required to establish what is referred to as a “Workplace Pension Scheme” for all qualified employees and are mandated to pay into if they join it. This means this is supposed to be their first stop over.
If the individual is self-employed or earns less than a certain amount, this means that they are not qualified for “automatic enrolment” in an occupational pension yet. That is when a personal pension must be taken into consideration. Despite such conditions, it could also still be an option besides a workplace pension, which depends on the individual's own situation. Ultimately, however, anyone whether employed or unemployed can have their own personal pension set up. Some prefer to have a personal pension away from their employment (they can choose to have more than one pension, granted their pension contributions are under £40K a year, overall). It is ultimately the individual's decision which company their pension is associated with and the fact that they can receive the right range of investments for their requirements and personal needs.
Personal pensions come with their own advantages and disadvantages, discussed below:
Pension contributions help with tax reduction, which basically means that the government will pay this as an additional pay to the personal pension receiver's pot.
A personal pension offers a steady income during the pension receiver's retirement.
When a person retires, they can withdraw a quarter (or 25%) of their pension in the form of a cash lumpsum, and that too excluding taxes.
An individual's contributions to their pension are invested in the finance markets. This means that the value of their first investment as well as any income produced can be subject to rises and falls.
A Stakeholder Pension is a type of personal pension. In these types of pensions, an individual pays money into their own pension in order to create a pension fund for themselves. Such plans have to be compliant with government rules as well as its minimum standards regarding annual management charges, terms ensuring that value is being offered for money, access, security, and flexibility.
This scheme is required to be managed by custodians or by a certified stakeholder manager. It will be the stakeholder's responsibility to ensure that the scheme being run complies with the different legal requirements. It is possible to contribute a low as £1. It is also viable to pay on a weekly or monthly basis, even at less regular periods. The future pension holder can also either pause, restart, or change the amount of their contributions whenever they like without having to pay any penalty fees. They can also choose to move on to a differed pension scheme without the previous one charging them.
On the 6th of April in the year 2016, the State Pension guidelines were changed drastically for men born (as well as after) on 6th April 1951 and women after 6th April 1953. For people belonging to this age group, there is a single tier pension payment with a full level.
As of now the full level of the new State Pension is established at £179.60 per week, making it £9,339 annually. A recipient may get more or less of this depending on their circumstances.
Due to the changes added to the State Pension, its is no longer possible to accumulate an additional State Pension. It is also not possible anymore to contract out of I in order to receive a much higher value private pension.
Only individuals who possess thirty-five years of National Insurance contributions can be considered qualified for a full State Pension. Previously, the requirement was thirty years worth of National Insurance contributions, which is, as of now thirty-five. To be able to qualify for any State Pension at all, it is necessary to have at least ten years of National Insurance contributions.
Anyone who happened to reach the required State Pension age prior to 6th of April 2016 will not be affected by the changes made.
In such a case, the basic State Pension happens to e £137.60 per week, making it £7,155 annually. Married couples get double that amount, i.e., £275.20 per if they both have accumulated State Pension. Spouses not having accrued their own State Pension can still legally claim and acquire a State Pension based in accordance with their spouse's record.
Some may also have managed to accumulate some additional State Pension, and in that case, they will be receiving above £137.60 per week.
We have conducted extensive research and analysis on over multiple data points on UK Pensions to present you with a comprehensive guide that can help you find the most suitable UK Pensions. Below we shortlist what we think are the best UK Investment Platforms after careful consideration and evaluation. We hope this list will assist you in making an informed decision when researching UK Pensions.
Selecting a reliable and reputable online UK Investment Platforms trading brokerage involves assessing their track record, regulatory status, customer support, processing times, international presence, and language capabilities. Considering these factors, you can make an informed decision and trade UK Investment Platforms more confidently.
Selecting the right online UK Investment Platforms trading brokerage requires careful consideration of several critical factors. Here are some essential points to keep in mind:
Our team have listed brokers that match your criteria for you below. All brokerage data has been summarised into a comparison table. Scroll down.
When choosing a broker for UK Investment Platforms trading, it's essential to compare the different options available to you. Our UK Investment Platforms brokerage comparison table below allows you to compare several important features side by side, making it easier to make an informed choice.
By comparing these essential features, you can choose a UK Investment Platforms broker that best suits your needs and preferences for UK Investment Platforms. Our UK Investment Platforms broker comparison table simplifies the process, allowing you to make a more informed decision.
Here are the top UK Investment Platforms.
Compare UK Investment Platforms brokers for min deposits, funding, used by, benefits, account types, platforms, and support levels. When searching for a UK Investment Platforms broker, it's crucial to compare several factors to choose the right one for your UK Investment Platforms needs. Our comparison tool allows you to compare the essential features side by side.
All brokers below are UK Investment Platforms. Learn more about what they offer below.
You can scroll left and right on the comparison table below to see more UK Investment Platforms that accept UK Investment Platforms clients.
Broker | IC Markets | Roboforex | XTB | XM | Pepperstone | AvaTrade | FP Markets | EasyMarkets | SpreadEx | FXPro | Admiral |
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Regulation | Seychelles Financial Services Authority (FSA) (SD018) | RoboForex Ltd is regulated by the FSC, license 000138/437, reg. number 128.572. RoboForex Ltd, which is an (A category) member of The Financial Commission, also is a participant of its Compensation Fund | FCA (Financial Conduct Authority reference 522157), CySEC (Cyprus Securities and Exchange Commission reference 169/12), FSCA (Financial Sector Conduct Authority), XTB AFRICA (PTY) LTD licensed to operate in South Africa, KPWiG (Polish Securities and Exchange Commission), DFSA (Dubai Financial Services Authority), DIFC (Dubai International Financial Center), CNMV (Comisión Nacional del Mercado de Valores), KNF (Komisja Nadzoru Finansowego), IFSC (Belize International Financial Services Commission license number IFSC/60/413/TS/19) | Financial Services Commission (FSC) (000261/4) XM ZA (Pty) Ltd, Cyprus Securities and Exchange Commission (CySEC) (license 120/10) Trading Point of Financial Instruments Ltd, Australian Securities and Investments Commission (ASIC) (number 443670) Trading Point of Financial Instruments Pty Ltd | Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC), Federal Financial Supervisory Authority (BaFin), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of the Bahamas (SCB) number SIA-F217 | Australian Securities and Investments Commission (ASIC) Ava Capital Markets Australia Pty Ltd (406684), South African Financial Sector Conduct Authority (FSCA) Ava Capital Markets Pty Ltd (45984), Financial Services Agency (Japan FSA) Ava Trade Japan K.K. (1662), Financial Futures Association of Japan (FFAJ),, FFAJ, Abu Dhabi Global Markets (ADGM)(190018) Ava Trade Middle East Ltd (190018), Polish Financial Supervision Authority (KNF) AVA Trade EU Ltd, Central Bank of Ireland (C53877) AVA Trade EU Ltd, British Virgin Islands Financial Services Commission (BVI) BVI (SIBA/L/13/1049), Israel Securities Association (ISA) (514666577) ATrade Ltd, Financial Regulatory Services Authority (FRSA) | CySEC (Cyprus Securities and Exchange Commission) (371/18), ASIC AFS (Australian Securities and Investments Commission) (286354), FSP (Financial Sector Conduct Authority in South Africa) (50926), Financial Services Authority Seychelles (FSA) (130) | Cyprus Securities and Exchange Commission (CySEC) (079/07) Easy Forex Trading Ltd, Australian Securities and Investments Commission (ASIC) (Easy Markets Pty Ltd 246566), British Virgin Islands Financial Services Commission (BVI) EF Worldwide Ltd (SIBA/L/20/1135), Financial Sector Conduct Authority South Africa (FSA) EF Worldwide (PTY) Ltd (54018), FSC (Financial Services Commission) (SIBA/L/20/1135), FSCA (Financial Sector Conduct Authority) (54018) | FCA (Financial Conduct Authority) (190941), Gambling Commission (Great Britain) (8835) | FCA (Financial Conduct Authority) (509956), CySEC (Cyprus Securities and Exchange Commission) (078/07), FSCA (Financial Sector Conduct Authority) (45052), SCB (Securities Commission of The Bahamas) (SIA-F184), FSA (Financial Services Authority of Seychelles) (SD120) | Financial Conduct Authority (FCA) (595450), Cyprus Securities and Exchange Commission (CySEC)(310328), FSA (Financial Services Authority of Seychelles) (SD073) |
Min Deposit | 200 | 10 | No minimum deposit | 5 | 200 | 100 | 100 | 100 | 1 | 100 | 200 |
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Used By | 180,000+ | 1,000,000+ | 1,000,000+ | 10,000,000+ | 400,000+ | 300,000+ | 10,000+ | 142,500+ | 10,000+ | 1,866,000+ | 10,000+ |
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Platforms | MT4, MT5, Mirror Trader, Web Trader, cTrader, Windows, Mac, iOS, Android | MT4, MT5, Mac, Web Trader, Tablet & Mobile apps | MT4, Mirror Trader, Web Trader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, Tablet & Mobile apps | MT4, MT5, TradingView, DupliTrade, myFXbook, Mac, Web Trader, cTrader, Tablet & Mobile apps | Web Trader, MT4, MT5, AvaTradeGo, AvaOptions, DupliTrade, ZuluTrade, Mobile Apps, ZuluTrade, DupliTrade, MQL5 | MT4, MT5, cTrader, TradingView, IRESS, Mac, Web Trader, Tablet & Mobile apps | MT4, MT5, Web Trader, TradingView, Tablet & Mobile apps | Web Trader, Tablet & Mobile apps | MT4, MT5, cTrader, Tablet & Mobile apps | MT4, MT5, Mac, Web Trader, Tablet & Mobile apps |
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Learn More |
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Up with admiralmarkets |
Risk Warning | Losses can exceed deposits | Losses can exceed deposits | 76-83% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 73.91% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. | 75-95 % of retail investor accounts lose money when trading CFDs | 71% of retail investor accounts lose money when trading CFDs with this provider | Losses can exceed deposits | Your capital is at risk | Losses can exceed deposits | 75.78% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider | Losses can exceed deposits |
Demo |
IC Markets Demo |
Roboforex Demo |
XTB Demo |
XM Demo |
Pepperstone Demo |
AvaTrade Demo |
FP Markets Demo |
easyMarkets Demo |
SpreadEx Demo |
FxPro Demo |
Admiral Markets Demo |
Excluded Countries | US, IR, CA, NZ, JP | AU, BE, BQ, BR, CA, CW, CZ, DE, ES, EE, EU, FM, FR, FI, GW, ID, IR, JP, LR, MP, NL, PF, PL, RU, SE, SJ, SS, SL, SI, TL, TR, DO, US, IT, AT, PT, BG, HR, CY, DK, FL, GR, IE, LV, LT, MT, RO, SK, CH | US, IN, PK, BD, NG , ID, BE, AU | US, CA, IL, IR | AF, AS, AQ, AM, AZ, BY, BE, BZ, BT, BA, BI, CM, CA, CF, TD, CG, CI, ER, GF, PF, GP, GU, GN, GW, GY, HT, VA, IR, IQ, JP, KZ, LB, LR, LY, ML, MQ, YT, MZ, MM, NZ, NI, KP, PS, PR, RE, KN, LC, VC, WS, SO, GS, KR, SS, SD, SR, SY, TJ, TN, TM, TC, US, VU, VG, EH, ES, YE, ZW, ET | BE, BR, KP, NZ, TR, US, CA, SG | US, JP, NZ | US, IL, BC, MB, QC, ON, AF, BY, BI, KH, KY, TD, KM, CG, CU, CD, GQ, ER, FJ, GN, GW, HT, IR, IQ, LA, LY, MZ, MM, NI, KP, PW, PA, RU, SO, SS, SD, SY, TT, TM, VU, VE, YE | US, TR | US, CA, IR | US, CA, JP, SG, MY, JM, IR, TR |
You can compare UK Investment Platforms ratings, min deposits what the the broker offers, funding methods, platforms, spread types, customer support options, regulation and account types side by side.
We also have an indepth Top UK Investment Platforms for 2024 article further below. You can see it now by clicking here
We have listed top UK Investment Platforms below.