Track the global stock market with shares in more than 1,600 companies like Apple and Amazon.

Champion the healthcare sector by investing in companies like Johnson & Johnson and Pfizer.

Key information

The Moneybox Pension is a personal pension that puts you in control of your retirement savings. You choose how your money is invested from our range of expertly curated funds.

You can pay in regularly or as a lump sum, and the government adds tax relief on top of your contributions.

You can open a Moneybox Pension if you're a UK resident aged 18 or over and have a National Insurance number. There's no upper age limit to open one, but tax relief on contributions stops at age 75.

You can open a Moneybox Personal Pension alongside a workplace pension. They're separate, and you can pay into both within your annual allowance.

If you're considering opting out of a workplace pension to pay into a personal pension instead, it's worth knowing that you'd lose any employer contributions. We can't accept transfers from a pension associated with your current employer.

If you're unsure what's suitable for your circumstances, consider speaking to an independent financial adviser.

A workplace pension is set up by your employer, who also contributes to it. Your investment choices are usually limited to a small set of pre-built funds.

The Moneybox Pension is a personal pension you open yourself. You choose how your money is invested from our range of funds, designed to match different attitudes to risk. You can also use it to consolidate old pensions in one place.

Three things to know before opening a SIPP:

1. Your money is invested, so its value can go up and down and you may get back less than you put in.

2. You can't access the money until the minimum pension age (currently 55, increasing to age 57 from 2028).

3. You get tax relief on contributions up to your annual allowance, but tax treatment depends on your circumstances and may change in the future.

There's no limit on the number of private pensions you can hold. You can pay into more than one in the same tax year, but your total pension contributions across all schemes can't exceed your annual allowance without losing tax relief on the excess.Most people find it easier to manage their retirement savings in one place. You can transfer eligible old pensions into your Moneybox Personal Pension to consolidate.

We don't offer personal financial advice or make recommendations based on individual circumstances.

But many people find a personal pension useful if they want more control over how their pension is invested, want to consolidate older pensions in one place, or are self-employed and don't have access to a workplace scheme.

Some things to consider before opening one: whether you already have a workplace pension and would lose employer contributions by opting out, your attitude to investment risk, and how long you have until you plan to access your pension.

If you're unsure, speak to an independent financial adviser before making any decisions.

The Moneybox Personal Pension offers a curated range of Moneybox funds, designed to match different attitudes to risk.

The funds vary by their mix of stocks and bonds:

Cautious is mainly invested in bonds, with lower risk and lower potential returns.

Adventurous is mainly invested in stocks, with higher risk and higher potential returns.

Balanced sits in between. Full fund information, including holdings and historical performance, is available in the app once you've opened your pension.