Giving your pension and ISA a boost
When we do well, we'll aim to boost your pension and stocks and shares ISA by adding a share of our profits to your plan each year. We've called this ProfitShare.
Although we can’t guarantee we’ll be able to award ProfitShare every year, our continued strength in how we run our business for our customers means we're sharing £199 million of our profits with approximately 2.4 million eligible customers in April 2026.
ProfitShare is just one of the ways we express our mutuality. Mutual companies such as Royal London are proudly customer-owned. This means that a share of our profits goes to customers, not shareholders and it influences the decisions we make every day.
If you're eligible for ProfitShare, you can see what's been applied to your pension plan with our mobile app. What's more, you can stay up to date with your pension savings, look at what you've paid in and see what your plan could be worth in the future.
One-off contributions and transfers
ProfitShare is based on the value of the pension and stocks and shares ISA you've got invested with us on the date it’s awarded. Which means any one-off contributions you make before 6pm on Tuesday 31 March will qualify for ProfitShare this year. If we get your contribution after this date, then it will count towards any ProfitShare award we could make next year.
It’s not only contributions that count towards ProfitShare, but any pensions and ISAs that you transfer into your Royal London plans will also qualify for ProfitShare in the future. So, if you’re considering making a one-off contribution, pension transfer or ISA transfer to your plan(s), you could help your pension and ISA grow with ProfitShare.
Remember, while your savings could grow, their value can also go down, as investment returns aren’t guaranteed. This means you could get back less than you put into your plan. If you need help you should speak to a financial adviser.
Eligible plans
You'll be eligible for ProfitShare if you have taken out a pension plan with Royal London since 1 July 2001, or if you have taken out a stocks and shares ISA with Royal London since 15 September 2025. If that applies to you, we’ll automatically set up a ProfitShare account under your plan. You don’t need to lift a finger.
If you’re a member of an occupational scheme, your eligibility for ProfitShare is based on the date your scheme began – not the date you joined. If you’re unsure about the date your scheme began, you should speak to your employer or the scheme trustees.
Unfortunately, we're unable to offer ProfitShare under our Crest Secure, Retirement Account contracts or any self-invested retirement savings you have. Any plans set up with The Co-operative Insurance Society Limited (CIS) also won't qualify.
ProfitShare awards will be applied as at 1 April each year. To qualify, your plan must be in force on 31 December the previous year and on the date the award is given.