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November 10, 2025

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PensionBee Pledges 1% Match on up to $1 Billion of Customer Assets

PensionBee
1 minute read

PensionBee is contributing $10 million to match customers’ next billion in assets, supporting both current and future savers in growing their retirement funds.

PensionBee has launched a 1% match program to encourage Americans to consolidate old 401(k)s and IRAs left behind with former employers. The company is committing up to $10 million to the initiative, offering the match on every dollar invested in a PensionBee IRA.

The move addresses a critical issue facing the majority of Americans: the lack of a coherent retirement savings plan. Over a trillion dollars in retirement wealth sit in orphaned 401(k)s–accounts left behind with former employers. These accounts can face additional non-employee fees and may change investments without the account holder's knowledge.

Small accounts can be automatically forced into Safe Harbor IRAs, trapping savings for years in low-growth, cash-like investments. PensionBee’s 1% match program builds on our mission to help Americans get retirement savings under their control and invested in suitable long-term strategies.

“We are well aware that no one wakes up excited to consolidate their old retirement accounts,” said Romi Savova, Founder and CEO of PensionBee. “Rolling over old 401(k)s is a tedious and confusing process, and that’s exactly why PensionBee exists. We’ve eliminated pain points, and now we’re making it even easier for customers to take this important step for their future security.”

Let’s Make Retirement Simple Together.

Got old 401(k)s? Rolling them into a PensionBee IRA takes only a few minutes and helps organize your retirement savings.

Learn More

Be Retirement Confident.

Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.

Get started

PensionBee research reveals that over 40% of people who try to rescue a left-behind 401(k) give up mid-process, citing complexity, confusion, and lack of clear instructions. PensionBee’s model aims to remove these barriers. The company handles rollovers electronically and assigns each customer a dedicated U.S.-based account manager (a “BeeKeeper”) to manage the process via phone or online portal. The company offers free searches to help people locate forgotten accounts.

The new 1% match adds a financial incentive to a simplified experience:

  • Invest $10,000 in a PensionBee IRA and receive an extra $100
  • Invest $100,000 in a PensionBee IRA and receive an extra $1,000
  • Invest $500,000 in a PensionBee IRA and receive an extra $5,000
  • Invest $2,000,000 in a PensionBee IRA and receive an extra $20,000

‍

The 1% match applies to every rollover or contribution into a PensionBee IRA on the company’s next $1 billion in customer assets. The longer customers keep funds invested in the market, the greater the value of the match over time. Assuming a 6.15% annual return, illustrative projections over 5, 10, 20, and 30-year periods highlight the hypothetical long-term impact of the match.

Table 1: Illustrative Growth of Match Amount Over Time

Account + 1% Match 5-Year Growth 10-Year Growth 20-Year Growth 30-Year Growth
$10,000 account → $100 match $140 $180 $330 $600
$100,000 account → $1,000 match $1,350 $1,820 $3,300 $5,990
$500,000 account → $5,000 match $6,740 $9,080 $16,500 $29,960
$2,000,000 account → $20,000 match $26,950 $36,330 $65,980 $119,850

*Assumes an annual return of 6.15% (7% minus a 0.85% annual fee), no additional voluntary contributions, and annual compounding. Dollar amounts rounded to the nearest ten. For illustrative purposes only; figures are not adjusted for inflation. Actual results will vary.

“Your retirement savings should be under your control and in investments that match your timeline and risk tolerance,” Savova added. “Every year these accounts sit scattered is a year of lost opportunity. We’re excited to offer our customers an extra reason to prioritize their future."

The information provided in this announcement, including any projections for investment returns and future performance, is for informational and educational purposes only and should not be considered investment advice. Past performance is not indicative of future results. All investments carry risk, including the potential loss of principal. PensionBee is not liable for any losses or damages arising from the use of this information. Projections and forecasts are based on assumptions and current market conditions, which are subject to change.

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Be Retirement Confident.

Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.

Get started
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*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.

1 - This PensionBee customer received a one time cash payment for their testimonial.


Options on Rollovers
A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied.  PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances.  To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.

‍Our collaboration with State Street Investment Management
State Street is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street. State Street is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein. Standard & Poor's®, S&P® and SPDR® are registered trademarks of Standard and Poor’s Financial Services LLC (S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones or S&P, their respective affiliates and third party licensors and none of such parties make any representations regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions or interruptions or any index.

The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.

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Trustpilot Scores
Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2025 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.

SEC Registration
PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc.'s Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.

PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.

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