Investment Pathways

Yes. The Investment Pathways are designed to meet an overall plan for your retirement income, but it is possible to hold them as part of a diversified portfolio, alongside other funds available through your plan, within a Pension Drawdown Account. You cannot hold an Investment Pathway within a Pension Savings Account.

The Investment Pathway does not mature or close after the five years. If your circumstances and retirement outlook are the same, you can keep the same Investment Pathway and you don’t need to do anything. It is a good idea to review your objectives on a regular basis to check that your investments are still suitable for them. Each time you review your investments, you should ensure they match your plans for the following five years.

The lowest amount you can move into an Investment Pathway is £10.

If your circumstances or your plans have changed since you chose your Investment Pathway, you can change your investments at any time on PlanViewer. Once you’ve logged in, go to ‘Manage my plan’ at the top of the page and select ‘Change investments’. There is no charge for moving money into or out of an Investment Pathway.

No, you can switch into or out of an Investment Pathway at any time. Pathways 1 and 3 are designed with an investment timeframe of at least five year and will be subject to short term market fluctuations. In contrast, Investment pathways 2 and 4 are intended for investors who will be using some or all of their money within the next five years. It’s a good idea to review your objectives on a regular basis to check that your investments are still suitable for them. Each time you review your investments, you should ensure they match your plans for the following five years. If you’re unsure what the right approach for your pension savings might be, you should speak to an authorised financial adviser.