How to buy and short PensionBee shares

How to buy PensionBee shares: investing or trading

You can either buy and own physical PensionBee shares (investing) or speculate on its share price, predicting whether it will rise or fall (trading).

Investing in PensionBee shares

Investing in PensionBee’s shares gives you direct ownership of them, making you eligible to receive dividends if the company happens to grant them. Plus, you’ll have voting rights as a shareholder. With us, you can own physical PensionBee shares from zero commission.¹

You can become a PensionBee shareholder in these steps:

1. Create an account or log in
2. Search for ‘PensionBee’ on our share dealing platform
3. Select ‘buy’ in the deal ticket
4. Choose the number of shares you want to buy
5. Open and monitor your investment position

Here’s how our commission rates compare against those of our competitors:

See our full share dealing charges and fees

To buy and own PensionBee shares, your initial outlay must be the full value of your investment. With a possible rise and fall in the share price, you may get back less than the amount you committed. However, potential losses are capped at your total initial outlay (excluding additional fees).

You’ll make a profit if the company offers dividends or if you sell the shares when the share price is higher than the original buy price, or both.

Trading PensionBee stock

Trading PensionBee stock means that you’re speculating on the price movements of the company’s share price without owning the underlying assets. If you think that the share price will rise, you’ll ‘buy’ (go long) and if you think it will fall, you’ll ‘sell’ (go short).

With us, you can trade PensionBee shares in these steps:

1. Create an account or log in
2. Search for ‘PensionBee’ on our trading platform
3. Select ‘buy’ to go long or ‘sell’ to go short in the deal ticket
4. Set your position size and take steps to manage your risk
5. Open and monitor your position

When trading with us, you’ll use leveraged derivatives such as spread bets and CFDs, and you may be eligible to receive certain tax benefits.²

Learn about the differences between spread betting and CFD trading

Trading with leverage means that you can get full exposure while only committing a deposit called margin. It’s vital that you manage your risk as leverage can magnify both your possible profits and losses to the full value of your position.

Discover more about the impact of leverage on trading

See our full trading costs and charges

How to short PensionBee shares

You can short PensionBee shares using spread bets and CFDs with us. Short-selling is a way for you to potentially profit (or make a loss) from a drop in share price by selling (going short on) the underlying shares rather than buying (going long).

With us, you can short-sell in these steps:

1. Create an account or log in
2. Search for ‘PensionBee’ on our platform
3. Select ‘sell’ in the deal ticket
4. Choose your position size
5. Open and monitor your position

If you think that the PensionBee share price will drop, you’d take a short position. If your prediction is correct, you’d make a profit. If incorrect, you’d make a loss.

Remember, both spread bets and CFDs are leveraged, meaning you’d pay an initial deposit that’s a percentage of the full value of your position, but both possible profits and losses are magnified to the full value of your trade.

Learn more about short-selling

How to sell or close your PensionBee position

You can sell your PensionBee investment or close your trade in these steps:

A brief history of PensionBee

PensionBee’s journey started in 2014, when Romina Savova experienced difficulties trying to move her pension. Together with co-founder Jonathan Lister Parsons, they started work for the company in 2015, launching their offering in 2016.

In November 2020, PensionBee announced its plans to list on the London Stock Exchange's (LSE’s) High Growth Segment by 2022. As a result of the spike in business amid the Covid-19 pandemic, the company accelerated its initial public offerings (IPO) plans. It reported a 37% growth in new active clients between March and July 2020. The company went public on 21 April 2021 with almost 500,000 registered customers.

What’s the PensionBee business model?

PensionBee combines pensions into an online plan, which allows customers to view their balances with features to analyse its performance and plan for retirement. The company makes its money from annual management fees, which vary depending of the type of plan – management fees start at 0.5% and are capped at 0.95%.

PensionBee share price: how to analyse the PensionBee share price

You can analyse PensionBee shares using two methods – technical and fundamental analysis – however a combination of the two is usually more useful.

• Technical analysis comprises of chart patterns, technical indicators and historical price action that can help you predict future price movements
• Fundamental analysis entails elements such as a company’s net revenue, profit and loss statements, as well as wider macroeconomic factors, that can help you in determining likely share price movements

Footnotes:

¹ Commission rates differ for UK and US shares. Trade in your share dealing account three or more times in the previous month to qualify for our best commission rates. Please note published rates are valid up to £25,000 notional value. See our full list of share dealing charges and fees.
² Tax laws are subject to change and depend on individual circumstances. Tax law may differ in a jurisdiction other than the UK.