Navigator Pension
It's like satnav for your retirement journey.
Get Started with our Navigator pension
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.
Straightforward
No jargon, no waffle, we make pensions simple.
See our Navigator pensionGood value
Our experts invest your money worldwide to reduce risk and help it grow, at a fair price.
Learn about our chargesResponsible
We make investment decisions that consider people and the planet.
See how we invest responsiblyRewarding
Treat yourself with rewards from the Virgin family and beyond.
Get rewarded
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.
Learn about pensions
Find out everything you need to know about pensions with handy tips, guides and videos from our pensions experts.
Check it outOur charges
Our charges are 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
- A Management Charge of 0.45% to manage your investments
Apply for Navigator pension
Know enough about Navigator and just want to get going?
Good to know
Our terms
Everything you need to know. Includes the Key Features of our Pension and how we use your personal information.
Protecting your money
Sleep easy with protection on deposits up to £85,000. Provided through the Financial Services Compensation Scheme (FSCS).
About the FSCS
Fund Value Assessment
A report showing whether our funds are providing good value and our plans if there are things we think we can improve.
Read the latest report
Online Service and app
Stay in control with our Online Service and app, making it easy to keep track of your investments wherever you are.
Explore Online ServicePrefer 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