Why choose Tideway?

Tideway - Facts and Figures

  • 1,400 individual defined benefit pension transfers worth £700m completed since pension freedoms in April 2015 to the end of 2017.
  • 12.0% - the return generated by Tideway’s Stable Return 2 Horizon Portfolio in 2017 net of all fund fees, compared to the benchmark return of 4.8%
  • 17.2% - Tideway’s GBP Hybrid Capital Fund’s return net of fees in 2017 versus a benchmark return of 5.3%. The fund was the number 1 ranked fund in the Strategic Corporate Bond fund sector out of 83 funds.
  • 6.3% p.a. - Tideway’s Real Return Fund average net of fees return since its launch in September 2011, the fund targets stable year on year returns in all market conditions. The IA Targeted Return sector average return for the same period is 3.3%.

Download Tideway’s Guide to Horizon Portfolios here and latest update here.
Tideway’s Guide to Hybrid Capital is here.
See who is transferring and from which schemes

All performance figures calculated by FE Analytics as of 31.12.2017.

Always remember past performance is no guarantee of future returns. Your capital is at risk and both capital and income from investments can fall as well as rise and you might not get back all your invested capital. Defined Benefit transfers are complex irreversible transactions and will not be suitable for all.

About Tideway

Tideway is an independently owned firm of advisers and investment managers and one of the UK's leading defined benefit pension transfer specialists.

Tideway provides:

  1. Specialist pension transfer advice, to complete your final salary pension transfer, set up a receiving pension scheme with flexible drawdown access, create the initial investment portfolio and arrange any initial withdrawals you wish to make.
  2. Ongoing advice and investment management through our Wealth Management service to keep your funds optimally invested and help you create reliable tax efficient income throughout retirement.
  3. A range of in house managed funds specifically designed for pension drawdown investors and targeted at generating predicable returns ahead of inflation after fees.

Tideway Investment Partners LLP is authorised and regulated by the Financial Conduct Authority (“FCA”) as Financial Advisers and Investment Managers.  The FCA is the independent watchdog that regulates financial services. We are listed on the FCA register and our FCA Registration Number is 496214. 

Our permitted business is advising on, arranging and managing investments and defined benefit pension transfers. You can check this, and our address, on the FCA’s Register by visiting the FCA’s website: www.fca.gov.uk/register or by contacting the FCA on 0800 111 6768. You can find Tideway Investment Partners reports and accounts at Companies House, our registered number is OC343430.

Tideway are not pension providers and never handle your funds directly. We will arrange your pension transfer with a large third-party pension provider who will hold your fund and place the investments in your account. Tideway’s role is to provide initial and ongoing advice, and manage your portfolio of investments.

Having a company, independent from Tideway, administer your pension account means you have a second set of eyes on your account, which provides an independent check on Tideway’s activity.

Meeting Your Pension Transfer Deadline

Our dedicated pension transfer team of advisers, paraplanners and administrators understand the importance of meeting the expiry date deadline on your defined benefit pension transfer offer. Our aim is to deliver your advice and detailed recommendation report four weeks before your pension transfer offer expires. This gives you time to ask and questions, consider your decision and submit your paperwork with plenty of time to meet your offer deadline.

You will be invited to login to a secure online portal that will allow you to track the progress of your pension transfer case and up load any documents we need from you.

No Pressure to Transfer

Our advisers make no cold calls, nor attempt to create any pressure on individuals to make a pension transfer. This is very important to us as defined benefit pension transfers are often high value and complex and always irreversible.

Tideway’s advice fees are non-contingent, meaning you pay our fees only if you transfer your pension with us. Such fees are popular with consumers, but do raise a potential conflict of interest in our advice process.  This is a conflict shared by any advice firm who will earn ongoing fees post the pension transfer completion and we take every effort to disclose the conflict to you and manage its impact appropriately.

In particular, Tideway’s advisers are fully employed on a PAYE basis and are paid a generous basic salary with an annual discretionary bonus linked to the business’s overall performance and their individual advice standards and compliance. There is no commission paid to individual advisers related to the number and value of pension transfer cases they personally complete.

This is in stark contrast to many advisers in the UK who are still living on a self-employed, without basic income and are paid based solely on the individual cases they complete and the fees these cases generate. In some cases, we know this can be an upfront payment of as much as 4.5% of your pension transfer value paid to the individual adviser on completion of your transfer.

In our opinion such practices will inevitably lead to unreasonable bias in the advice process and potentially to bad defined benefit pension transfer decisions.   

What Tideway's clients say

Click here to read Tideway client Mike Hudson’s story in the Telegraph.

Click here to see feedback from some of our clients.

Also in this section:

Tideway Investment Partners LLP
is authorised and regulated by the
Financial Conduct Authority.
FCA number 496214.

Contact
Tideway Investment Partners LLP
Thomas House
84 Eccleston Square
London SW1V 1PX
+44 (0)20 3143 6100
info@tidewayinvestment.co.uk