Do you offer investments other than RAs?

Hayrick also offers Tax-Free Savings or Goal-Focused investments. Ideal if you want a single view of your medium and long-term investments, all in one place.

Absolutely. Your investments are held separately from Hayrick's business, meaning they're fully protected even in the unlikely event something happens to us. We use bank-level security for your personal data and transactions, and we're regulated by the Financial Sector Conduct Authority (FSCA) to ensure we meet strict industry standards.

Transparency is built into our app. We charge a simple annual fee of 1.25% of your invested amount, with no hidden costs or surprise charges. Unlike traditional providers, we don't have complicated fee structures or fine print. You'll always see exactly what you're paying in your app, and how these fees compare to industry averages.

Can I really combine all my existing retirement savings?

Yes! Hayrick makes it easy to consolidate retirement funds from multiple providers. Our transfer specialists handle the paperwork and guide you through the entire process. Most transfers complete within 3-5 weeks, and you can track progress right in the app.

What if I need to withdraw money early?

While retirement investments are designed for the long-term, we understand that life happens. Our app clearly shows which portions of your savings are accessible before retirement age under the two-pot system, and makes the withdrawal process straightforward when you need it.

What if the market crashes?

Our multi-strategy approach is specifically designed to weather market volatility. Rather than putting all your eggs in one basket, we spread your investments across different strategies that respond differently to market conditions. While no investment is completely risk-free, this approach helps protect your retirement savings during challenging economic times.

How do I know if Hayrick is right for me?

If you're tired of complex retirement products, hidden fees, and poor visibility into your investments, Hayrick is built for you. Our behavioral-led assessment helps match you with the right investment strategy for your personality and goals. Not sure? Download the app and try our assessment with no obligation - you'll quickly see if our approach feels right for your needs.

Hayrick | For You

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Combine - Collect savings from previous jobs in one place

Top up - Contribute and watch your money grow

Withdraw - Access your pension when the time is right.

Our trusted partners:

For your company

Grow your employees and their savings.

The best companies don’t just pay salaries. They build futures. Open a Group RA or employer-linked fund.

Learn more

For others

Invest in the people you care about

Open an RA for your household employee or start your children on a tax-free savings or goal-focused investment.

Learn more

Coming soon

Hayrick makes saving for tomorrow
feel good today.

Don't get just any RA.
Get a Hayrick.

Not all retirement plans are created equal. We built ours to be clear, simple and actually enjoyable to use

Effortless consolidation

Stack your savings
in one Hayrick

Combine all your retirement savings in one account and
take control of your most important investment. 
See the full picture of your retirement savings in one place.

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Real-time control

Top up and withdraw without the paperwork

Easily contribute funds when it works for you and access your money when the time is right.
Compliant with Two-Pot System regulations.

Multi-strategy investing

Consolidate your retirement savings without limiting your options

Our multi-strategy approach allocates your money across several different strategies.
Manage everything in one place while your investments are diversified for optimal growth and protection.

Two women smiling while reviewing financial information on a laptop, with on-screen charts showing total savings across retirement, tax-free, and goal-based accounts.

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Human support

Human when you need us, tech when you don’t

Our app handles the day-to-day, but real humans are just a call or email away when you need that personal touch.

Take your retirement savings back in 3 steps.

Step 1

Sign up in minutes, not days

Download Hayrick from the App Store, Google Play or App Gallery to open your account. It’s easy and paper-free.

Step 2

Choose your investment plan

Our behavioral-led assessment helps you find the perfect investment strategy for your goals and risk appetite.

Step 3

Watch your money grow

Contribute whenever you want and adjust your strategy when you need. Enjoy the journey to a happy retirement.

Frequently asked questions

Explore all our investment products.

Retirement annuity

Get immediate tax relief on contributions while building long-term wealth until retirement.

Learn more

Tax-free savings account

No tax on gains or withdrawals. Access your money whenever life happens.

Learn more

Actively managed investment

We’ll match you with a diversified, professionally managed portfolio to reach your financial goals.

Learn more

Group retirement plan

Group retirement savings and essential insurance benefits in one, smart solution.

Learn more

Schedule a Demo

Remember when saving felt good?
We brought that back.