Value your retirement.
PenFit Individual starts with what matters to you, not with a pension product. Twelve simple comparisons are translated into a consistent view of six retirement approaches and their trade-offs.
What you do
You compare two simple statements at a time and say which matters more — A+, A, A/B, B or B+.
The questions cover income, certainty, access, change, care, legacy, control, simplicity and growth.
PenFit is values-led, not an advice or asset-planning process.
Results are ranked, but close trade-offs remain visible rather than presenting a false winner.
Each card explains what you get, what you do not get, and how easy it may be to change later.
Closest alignment, not a recommendation
PenFit shows how strongly each generic retirement approach aligns with the values expressed in the questionnaire.
- ✓What do I get? The characteristics the approach tends to deliver.
- ×What do I not get? The trade-offs or characteristics that are reduced.
- ↻Can I change later? Easy, Possibly or Hard.
The Individual engine uses the bias-audited calibration.
The current build includes an equal neutral starting point, normalised score responsiveness and A/B presentation randomisation with scoring reversed automatically.
Try PenFit Individual
The prototype is free to explore and does not tell you which individual pension product to buy.