Investing your savings pot
When you first joined the pension plan, the contributions that you and M&S made were invested in a lifestyle profile chosen for you. This is called the default investment option and, unless you decide to make your own investment choices, this is where your contributions will continue to be invested.
Although it’s considered a good starting point for most people, it doesn’t take into account your personal circumstances. Even if you’ve already started choosing your own investments, it’s worth considering whether your pension savings are invested in a way that is right for you.
Find out more about investing
There’s a lot to think about when it comes to making your own investment decisions.
Your investment options guide is a great place to start to understand the basics of investing – things like what funds and lifestyle profiles are, how they work, and the type of assets they invest in.
You can also find out more about the different types of investments, the relationship between risk and reward and other considerations to think about when making your own investment choices.