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How your pension is invested

When you join the pension plan, the contributions that you and M&S make are invested in Target Date funds that have been chosen for you. This is called the default investment option.

The default investment option for Your M&S Pension Saving Plan is Target Date Funds. To find out more, please see your Guide to the Target Date Funds or The Target Date Funds video.

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.

You can also find further information about your investment options in the Investment guide.

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

Responsible Investing

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.

Your investment options guide

Find details of your investment options and what to think about when making a choice on where to invest your money.

Your investment factsheets

This document provides links to all your investment factsheets.

Manage Your Account

Keeping up to date with your pension savings is easy with Legal & General's online service, Manage Your Account.