Start with what matters

Better retirement choices start with what people value.

PenFit connects what individuals value in retirement with the evidence organisations need to design better retirement propositions.

Individuals tell us what matters. PenFit Insights shows organisations what that means.

Choose the PenFit experience

For individuals

PenFit Individual

Value your retirement.

Answer 12 simple comparisons about what matters to you, then see how six different retirement approaches align with those priorities and what each one gives up.

✓No financial fact-find
✓Six retirement approaches compared consistently
✓Clear gains, give-ups and how easy it is to change later

Try PenFit Individual →

Individual insight · illustrative prototype

For organisations

PenFit Insights

Better outcomes by design.

Turn individual responses into population-level evidence: what people value, which retirement approaches align, where proposition gaps sit and what a stronger design could look like.

✓Aggregated evidence rather than individual recommendations
✓Retirement-characteristics and proposition-gap analysis
✓Typical-individual, cohort and benchmarking views

Explore PenFit Insights →

Organisation insight · illustrative prototype

✓

One underlying PenFit framework

A questionnaire can tell you what people say matters. PenFit determines what those preferences mean for retirement design — while keeping the detailed scoring, calibration and modelling under the bonnet.

Learn more about PenFit

The front door stays simple. The evidence, methodology and retirement-design context sit behind it when you want more detail.

FrameworkHow PenFit works →See the 12 values, 13 retirement characteristics and six retirement approaches. Model governanceModel neutrality audit →See the 2,000,000-profile stress test and the controls used to reduce structural bias. Why nowGuided Retirement →See why evidence about retirement needs and interests is becoming increasingly important.