Hargreaves Lansdown is offering savers a 'ready-made' personal pension with no account or fund charges for nine months - but time is running out to sign up. Hargreaves Lansdown* says that 50,000 customers invest in the ready-made pension. > Find out more about the deal at Hargreaves Lansdown*Saving money on fees can make a difference to your long-term wealthHow does Hargreaves Lansdown's ready-made pension work? Hargreaves Lansdown's ready-made pension is managed by the platform's experts, meaning you can't choose your own investments. Scottish Widows – formerly Iweb – offers a ready-made pension that decreases your investment risk gradually, like Hargreaves Lansdown.