How your pension is invested

When you join the pension plan, the contributions that you and/or M&S make are invested in either a fund or a lifestyle profile that has been chosen for you. This is called the default investment option.

Although it’s considered a suitable choice for most members, the default investment option doesn’t take into account your personal circumstances or future plans. With this in mind, given that you can make your own investment decisions, it’s worth considering whether it’s currently the most appropriate place for your pension savings to be invested.

For more information on your investments, see the Investment guide.

If you think you want to make your own investment decisions, visit Investment guide - your savings pot for the things you need to consider.

As well as caring about your financial future we believe that we have a responsibility to consider the impact that the companies that we invest in have on the world around us. You can find out more about how the money from your pension is invested to make a difference on our Environment, Social and Governance Hub.