Nucleus (formerly James Hay) Pension Drawdown Review 2026
Independent, in-depth review of Nucleus (formerly James Hay) for pension drawdown. Covering fees, investment choice, platform features, service quality, and real user experiences.
Platform fees: Nucleus platform: 0.27% to £500k, 0.175% £500k-£1m, 0.05% over £1m, plus £186 + VAT income drawdown charge
Fund charges apply on top (typically 0.10%–0.50% for trackers)
What this review covers
This review consolidates information from multiple sources including official provider documentation, verified user reviews, independent ratings from Which? and Defaqto, and Financial Ombudsman Service complaint data. We assess Nucleus (formerly James Hay) across five key areas: