Pension for self employyed

[Puglife1234]

Hello just looking to start a pension
I am self employed
i I have about 25 years until I would like to retire.
which is a good company to go with.
unfortunately I am starting from scratch.

Rather then solicit advice here from people who don't know your precise circumstances, go and speak to an Independent Financial Advisor (IFA). There's a lot to understand including how you might ultimately want to take your pension and what your lifestyle looks like. You won't regret it.

Because I don’t have a pension and my husband does.
I just thought it would be easy to go direct to a company.
I an a self employed low earner.

Are you comfortable choosing your own investments?

Your choices are a Sipp ( where you can choose investment funds or one of the ‘in house’ funds which tend to be expensive because they are managed rather than passive or a robo- advisor type where you choose a ‘plan’ that aligns with your risk appetite but tbh, with 25 years to go you should be in the highest risk one, de-risking with 5-8 years to go.

I’m with Hargreaves Lansdown for my Sipp but there is Interactive investor, AJ bell and others.

Robos are like Penfold and Nest.

I do not want to be consulted. I want to leave it to the company to decide.
thanks.

I have a HL SIPP BUT I do pick and choose what shares to buy and manage it myself

If you're not interested in researching things for yourself and not interested in engaging a financial advisor, I'd personally suggest a simple pension with Hargreaves Lansdown or Vanguard or AJ Bell. You can choose one of their "pre-packaged" investments for your funds, and they give simple choices as to fund based on two factors - the amount of time before retirement and your attitude for risk. Very simple and they're very respected pension firms who deal with huge numbers of people direct, so their information/documents/terminology etc is in very easy to follow formats. You may not make the same kind of investment returns as with more specialised firms but they're really good for people wanting something quick and easy to set up.

Thank you so so much
i will look at the three companies
i just thought with the small amounts it would not be worth the cost for a financial advisor
thanks

It won’t , an IFA won’t be interested until you have a pot of £100k+
Sounds like a Penfold Growth plan would suit you.

www.forbes.com/uk/advisor/investing/best-robo-advisors-uk/