Borrowdale applies predictive AI modelling to reduce downside risk in retirement portfolios, without charging management, entry or exit fees. Every pound of growth stays with you.
Most pension drawdown products charge an annual management fee of 1–2%. On its own, this sounds modest. Compounded over a twenty-year retirement, it is not.
A 1.5% annual fee does not simply remove 1.5% of your returns each year. It removes 1.5% of your entire capital base, every year, whether the market rises or falls. Over two decades, that compounding effect can consume a substantial share of what would otherwise have been your retirement income.
| Fee structure | Annual charge | 20-year effect on capital |
|---|---|---|
| Traditional wealth manager | 1.5%–2.0% | Significant, compounding reduction |
| Execution-only platform | 0.3%–0.75% | Moderate, compounding reduction |
| Borrowdale AI model | 0.00% | No fee-based erosion |
Figures above are illustrative of how fee structures typically compare; they are not a projection or guarantee of any specific outcome.
The Borrowdale engine continuously scans global market, economic and liquidity data, looking for early signals of volatility before they affect your principal. This is quantitative analysis applied to a single purpose: protecting what you have already built.
No management charge. No entry charge. No exit charge. We state this plainly because retirees are right to be sceptical of offers that sound unusually generous.
We do not deduct a recurring percentage from your portfolio for ongoing oversight. The AI's monitoring is continuous and carries no asset-based charge to you.
Moving funds into or out of your Borrowdale account does not trigger a commission. You retain full control over timing, without a financial penalty for changing your mind.
Borrowdale is funded through enterprise licensing of its analytics engine to financial institutions, not through charges on individual retail accounts.
This structure means our commercial interest is aligned with the reliability of the underlying technology, not with the volume of fees deducted from your pension drawdown. Investment value can still fall as well as rise; a zero-fee structure does not remove market risk.
The process is deliberately simple. At every stage, the AI recommends; you decide. Nothing is actioned without your authorisation.
Link your existing pension or investment accounts securely, or provide statements manually if you prefer not to connect accounts directly.
The engine reviews your current allocation against market conditions and your stated risk tolerance, highlighting areas of unnecessary exposure.
You receive a set of recommended adjustments with plain-language reasoning. You approve, decline, or amend each one before anything changes.
Account data is encrypted in transit and at rest using industry-standard protocols. Borrowdale does not sell client data to third parties, and access to individual portfolio information is restricted to systems required to generate your recommendations.
Borrowdale provides data-driven analysis and recommendations to support your decisions; it is not a substitute for regulated financial advice. We encourage clients to consider independent advice for decisions with significant tax or legal consequences, such as pension transfers.
The model weighs historical volatility, current market signals and your stated risk tolerance to produce a recommendation ranked by expected capital preservation. Every recommendation includes the underlying reasoning in plain English, not just a conclusion.
No. The platform is fiduciary-aligned in design: it proposes changes, but every adjustment requires your explicit confirmation before execution.
The underlying engine is licensed to financial institutions on a commercial basis. This enterprise revenue funds the platform, which is why individual retail accounts are not charged management, entry or exit fees.
Begin with a no-obligation analysis of your current holdings. You will see where fees and risk are currently affecting your capital, with no pressure to proceed further.