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Your pension made simple


Navigator automatically steers your pension based on your age. It goes for growth when you’re younger and stability as you get older.

Start from £25 a month

or move your pensions to us.

Learn more about our Navigator Approach pension
No jargon, no waffle, we make pensions simple.
Good value
Our experts invest your money worldwide to reduce risk and help it grow, at a fair price.
We carefully consider the influence your investments will have on people and the planet.
Treat yourself with rewards from the Virgin family and beyond.

For a brighter retirement

Navigator could be for you if you’re not sure when you want to retire, or if you want to take money from your pension in retirement while keeping it invested.

Our 60-second video tells you everything you need to know about how Navigator works.

Watch our Navigator video

See how much your money could grow

Use our quick and easy calculator to see how bright your financial future could be

Explore Navigator calculator

Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.

Want to combine your pensions?

It's easy to transfer one or more.

Transfer your pension

Stay in control with our Online Service and app

Making it easy to keep track of your investments and pension wherever you are.

Explore Online Service
How we invest your money video

The serious bits

Our charges are up to 0.75% in total each year, based on the value of your account. This is made up of two clear and simple charges. An Account Charge of 0.30% for managing your account and an Annual Management Charge of up to 0.45% for managing your investments.

More about our charges
Our Terms
Everything you need to know, explained clearly. Includes the Key Features of the Pension and how we use your personal information.

Terms Link opens in a new window        Our funds and charges Link opens in a new window
We help keep you safe online with our extra level of protection.

More about security
Protecting your money
In the unlikely event we can’t meet our financial obligations, you may be entitled to compensation from the Financial Service Compensation Scheme (FSCS) up to a maximum value of £85,000.
FSCS logo

Find out about the FSCS
Fund Value Assessment report
An evaluation of our funds' value for money and performance. Its purpose is to report on whether we believe we are providing good value. It also outlines our plans if there are things we think we can improve.

Find out about the Fund Value Assessment report
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A quick check

Before you get stuck in just make sure you can tick off this list:

Apply for Navigator pension

Know enough about Navigator and just want to get going?

Prefer to be in the driving seat?

If you want to take the controls and follow your own investment route for retirement, Self-Drive could be for you.

Explore Self-Drive
Prefer to be in the driving seat - Self-select pension