As a member of our workplace pension, you will have the option to choose how it is invested.
Choosing an investment strategy
We’ll invest your contributions according to the set-up of your plan, but you can choose to change this at any time. Your contributions are automatically invested for you in the plan’s default option, the lifestyle strategy. If you wish, you can change this and choose your own investment strategy by self-selecting investment funds from the range available.
Leave it to the experts
This default option aims to make planning for your retirement as easy as possible by allowing members to rely on an investment strategy that has already been set out for them. The lifestyle strategy aims to sustainably grow your savings over time, while looking to reduce the impact of any market downturns. It follows an automated investment approach, which invests your pension pot into a range of funds over your working life. By spreading your savings across a wide variety of different investments, including those that deliver growth and others which have a focus on capital preservation, this approach ensures your pension is highly diversified, one of the best ways to reduce risk. This option may be suitable for you if you’re not comfortable making your own investment decisions or selecting your own funds.
Select your own investments
You can take a more ‘hands-on’ approach to investing by self-selecting. This option allows you to select the funds you invest in yourself. There are a range of funds to choose from, and our step-by-step investment guidance and selection of calculators and tools can help. Remember, if you decide you want to self-select you will be responsible for allocating your investments and you should regularly review your plan to make sure it remains suitable.