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Together we can be more FutureWise

FutureWise can help you manage your pension savings up to and through retirement. To check if your pension scheme uses FutureWise as part of your investment strategy, simply log into PlanViewer to review your plan documents.

What is FutureWise?

FutureWise is our default investment strategy for pension plans. This means it is where your money will be invested if you don’t choose where to invest it yourself. Defaults offer an easy and effective way to save for retirement and are used by members who have decided they want to leave things in the hands of the experts. Defaults are designed to be suitable for as many people as possible and they are constantly monitored and adjusted to market conditions, based on the advice of professionals.

How does it work?

FutureWise is designed to make managing your pension as easy as possible and aims to grow your savings over time, while looking to reduce the impact of any market downturns, however this is not guaranteed. It follows an automated investment approach, which invests your pension pot into a range of funds over your working life. As with all investments, their value can go down as well as up, so you may get back less than you invest. With FutureWise your savings are invested in a fund (a Target Date Fund) that is carefully managed towards a specifically-named date in the future, based on the retirement age that we hold for you.

Watch our videos to learn more about FutureWise and how it can help you achieve your retirement goals.

What does FutureWise offer you?


More growth potential

Target Date Funds invest in a range of investments aiming to achieve a high level of growth, which also means there is a greater chance the value of your pension could fluctuate.


Enables a flexible retirement

Maintaining a diversified exposure to growth assets allows you to be more flexible on the timing of retirement.


Focus on sustainability

Target Date Funds offer flexibility to build more sustainability into FutureWise, helping reach its goals of halving its carbon footprint by 2030 and reaching net-zero by 2050.


Easier retirement planning

You can retire at any point within the 5 years* between each fund's target date. If you change your selected retirement age, Fidelity will automatically allocate the relevant Target Date Fund for you.

*While the Target Date Funds target 5-year periods, you can retire at any point from age 55 (due to be age 57 from 2028).

Want to know more?

Take a look at some of the questions and answers that we’ve prepared for you below.

Who runs FutureWise Target Date Funds?
Do you have to use FutureWise?
What is a FutureWise Target Date Fund and who is it for?
How many FutureWise Target Date Funds are there?
Can I use FutureWise if I plan to take my money as cash or buy an annuity?
How do you decide which FutureWise Target Date Fund my savings will be invested in?
Can I change my FutureWise Target Date Fund?

Important information - The value of investments can go down as well as up, so you may get back less than you invest. If you need advice about how any of this information applies to you personally, you should contact an authorised financial adviser. You cannot normally access your pension savings until age 55. This is due rise to 57 in 2028. The focus on maintaining strong environmental, social and governance (ESG) credentials may affect investment performance favourably or unfavourably in comparison to similar products without such focus.