Please read this important information regarding Intelligent Money in response to COVID-19


One size can never fit all

Intelligent Money offers different solutions,
for employees under one framework to
ensure a suitable pension outcome for all

A Suitable Pension

A suitable pension for each employee is a requirement for automatic enrolment compliance. This could mean having to establish different solutions from multiple providers to ensure achieving a suitable pension outcome for each employee within every company.

Working with advisers during the development of our automatic enrolment proposition we identified this issue at the early stages and this enabled us to develop a fully inclusive solution with varied investment options to provide a suitable pension outcome for each employee, from just one interface.

Default Portfolio

Intelligent Money offers the IM Default Portfolio for all automatic enrolment contributions. This portfolio has been designed to target an average annual return of CPI+4% (net).

IM Optimum Portfolios

Our Qualifying Workplace Pension Scheme (QWPS) also gives full access to our IM Optimum Portfolios. These are considerably more sophisticated investment portfolios and include target dated portfolios that manage risk internally down different glidepaths depending upon the requirement at retirement (a lump sum to withdraw, a lump sum producing income, or a mixture of the two) as well as risk rated model portfolios.

The Optimum Portfolios also accept pension transfers and can facilitate adviser charging (unlike the Default Portfolio). Please look through our Investment Management section for further information.

Commercial Property

In addition to accessing our IM Optimum Portfolios, our QWPS offers bespoke SIPP functionality to enable business owners to purchase commercial property within their SIPPs.

Flexible Drawdown

Unlike most QWPS providers, Intelligent Money offers all scheme members the SIPP functionality of Flexible Drawdown under the new pension freedoms.

Please contact us for further information or to arrange a meeting.


Following the Government lockdown announcement, we will be closing our offices this evening, Monday the 23rd March 2020.

We will continue to ensure that all pension, ISA and GIA withdrawals will be paid to clients on time and all online applications and instructions will remain automatically processed during this period. So, in this respect, business will continue as usual.

Our loyal team will remain on the payroll whilst they are temporarily unable to work, whilst certain key members will remain on hand remotely to ensure that no client is adversely affected (though this may naturally impact on response times).

Please also note that our main office building has also been shut down (we are located within a national museum) and we are therefore not currently able to receive any post as normal.

We thank you in advance for your understanding during this difficult time and for all enquires during this period please contact the most relevant email address as listed below: