PensionBee performance varies by plan: yearly growth from 2022 to 2025 ran from -15.9% to 29.4% across four plans, and your capital is at risk.
How PensionBee reports each plan's growth
PensionBee shows performance on each plan's own page, not in one league table, and the figures below are as those pages and their linked factsheets showed them on 26 October 2026. Growth figures say nothing about your old pots, retirement date or appetite for risk. Raise those with an FCA-authorised adviser by submitting the short form on this page; the adviser phones you free.
Four plan pages (Tracker, 4Plus, Shariah and Preserve) carry the same two items. The first is a chart that, in PensionBee's words, "illustrates how £10,000 invested five years ago would have grown over time". The second is a row of calendar-year growth. The pages say the figures come from "Trustnet powered by FE fundinfo" and are "based on the unit price of the fund", which "may include certain embedded fund fees that are a part of your annual management fee". For what the annual fee is, see PensionBee fees.
PensionBee performance by plan, 2022 to 2025
Calendar-year growth for the four plans whose pages show it, as printed. PensionBee says this row "assumes all fund charges have been taken" and that income, after tax, stays in the fund.
| Plan | 2022 | 2023 | 2024 | 2025 | 2026 (to 16 Oct) |
|---|---|---|---|---|---|
| Tracker | -15.3% | 16.9% | 14.5% | 16.6% | 11.9% |
| 4Plus | -8.1% | 10.3% | 10.2% | 12.7% | 8.8% |
| Shariah | -15.9% | 27.4% | 29.4% | 13.1% | 16.9% |
| Preserve | 1.4% | 4.7% | 5.3% | 4.4% | 3.1% |
The last column is not a full year. The pages mark it as year-to-date, "based on the latest available price as of 16/10/2026", and say it "should not be compared directly with the full-year figures shown for 2022–2025". The plans also differ in what they hold, so a row is not a like-for-like contest. How PensionBee describes each plan is in which PensionBee plan is best, which names no winner and neither does this page.
What have PensionBee plans returned over five years?
The five-year chart is stated as what £10,000 would have become. The date on each chart differs, so the end points are not the same day:
- Tracker: £15,289.10, up 52.89%, dated 4 September 2026.
- Preserve: £11,991.05, up 19.91%, dated 4 September 2026.
- 4Plus: £14,121.09, up 41.21%, dated 9 October 2026.
- Shariah: £20,595.21, up 105.95%, dated 9 October 2026.
These are five-year outcomes ending at different dates, with different holdings behind them. They show what happened to a lump sum, and nothing about contributions made along the way, about a pot that started at another time, or about what comes next. Each page repeats the warning: "Past performance is not an indication of future performance. With investments, your capital is at risk and you could get back less than you invest."
Global Leaders and Climate: figures on another basis
The table and list above cover four plans. For Global Leaders and Climate, start from each plan's own page and the factsheet it links, and check the date and basis printed beside any figure.
Global Leaders, the plan PensionBee describes as managed by BlackRock, links a BlackRock fund factsheet dated August 2026, with performance "as at: 31-Aug-2026". The fund launched on 4 February 2025, so its table has no three- or five-year figure. For the share class it shows 13.67% for the year to date and 22.87% in the column headed 1y, measured on a "Net Asset Value (NAV) basis, with gross income reinvested where applicable". Beside them, BlackRock's sheet warns: "The figures shown relate to past performance. Past performance is not a reliable indicator of current or future performance". For the Climate plan, use PensionBee's own Climate plan page and the Climate Plan factsheet linked from it.
Those are BlackRock's fund figures on BlackRock's basis, with gross income reinvested, not the plan-page row, which PensionBee states after all fund charges. So they cannot be set against the table above as if measured the same way.
Gross factsheet figures say little about your own pot. An FCA-authorised adviser will call you back to explain for nothing, if you hand in this page's short form.
Could you lose money with PensionBee?
Yes: the figures above include negative years, and PensionBee's own wording is that "your capital is at risk and you could get back less than you invest". In 2022 the Tracker, 4Plus and Shariah rows all fell, and Preserve was the only one of the four to show a gain.
PensionBee also labels each plan with a risk level. On its pages, Global Leaders, Climate and Shariah are "Higher", 4Plus and Tracker are "Medium", and Preserve is "Lower". PensionBee says it "simplified each plan's risk rating on this page to a higher/medium/lower scale to aid comparison", and that factsheets "may use a different scale". A label describes where PensionBee places a plan, not what it will return. For 4Plus, PensionBee says it aims for growth of 4% a year over the Bank of England's base rate, judged across at least five years. That is an aim and not a promise.
Checking newer PensionBee figures yourself
Each plan page has a factsheet link near the bottom, labelled with the plan name, for example "Tracker Plan factsheet". The figures are refreshed, so check the date printed beside any number before you rely on it. If you are close to taking money, pension drawdown explains what happens to a pot once withdrawals start, and how to withdraw from PensionBee covers the practical steps.
More on PensionBee returns, rates and risk
What is the PensionBee rate of return?
There is no single rate. Each plan page gives growth figures for that plan, and the table above shows how far they range, from -15.9% to 29.4% in a calendar year. 4Plus is the plan whose page states a growth aim, set out above.
How risky are PensionBee plans?
It depends on the plan. PensionBee's labels run from Lower (Preserve) to Higher (Global Leaders, Climate, Shariah). Its own warning applies to all of them: capital is at risk.
Why is the Climate Plan missing from the table?
Its figures are not on the same basis as the four plan rows, so look at the Climate Plan factsheet linked from its plan page, and note the date printed on it. PensionBee says the plan "Tracks a Paris-Aligned Index excluding fossil fuel producers, weighted towards lower carbon emissions", so what it holds differs from the Tracker.
Which plans does BlackRock manage?
PensionBee names BlackRock as manager of Global Leaders. Other plan pages name State Street, and the Shariah page names HSBC Global Asset Management as well. For a broader look at the provider, see is PensionBee good.
Putting a plan's record beside your own pension
A plan's record is one input. When you have an old pension, a transfer date and a retirement age in mind, those decide what matters. Moving or drawing a pot soon? Add your number to the enquiry form and an adviser regulated by the FCA will ring to look at the whole picture, with no charge. Our page on Pension Wise explains another route.