
Investing your pension savings

If you do not make an active choice, the contributions that you and IBM UK Limited make are invested in the default investment option which is a Lifecycle Strategy.
If you do not want your pension savings invested in the default investment option, there are alternative Lifecycle strategies and Freestyle funds available.
Although it’s considered an appropriate choice for most members, the default investment option doesn’t take into account your personal circumstances or future plans.
If you think you want to make your own investment decisions, visit Your guide to investing for the things you need to consider.
You have the ability to select either a Lifecycle Strategy, Freestyle funds, or a combination of both if you choose to invest in AVCs too.