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Investment guide - your savings pot

When you first joined the Your M&S Pension Saving Plan, the contributions that you and M&S made were invested in the Legal & General Target Date Fund.

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. To find out more about this fund, please see your Guide to the Target Date Funds or The Target Date Funds video.

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.

Balancing risk & reward

All investment involves a degree of risk. It’s important that you understand, and are comfortable with, the risks you're taking before making any investment choices.

Investments that offer the potential for higher rewards often come with higher risks, which means there’s a greater chance of losing your money.

With lower-risk investments there is less chance of losing your money, but the potential for reward will usually be less.

Understanding how you feel about investment risk

The way you feel about investment risk will depend on your circumstances and, often, your personality. It’s not unusual for someone’s attitude to risk to change as they get older so it’s important to regularly review how your pension savings are invested. 

Your investment guide includes a step-by-step guide to help you understand all the things you should consider before making any investment decisions.

Understanding how you feel about risk will help you to decide whether you’re comfortable making your own investment choices. 

Find out more about investing

There’s a lot to think about when it comes to making your own investment decisions. 

Investment 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. 

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. The money we manage for you and for millions of other savers means that we can influence some of the world’s largest companies. If a company isn’t changing the way they work, we’ll work with them to help them make change.

You can find out more about how the money from your pension is invested to make a difference on our Responsible investing page.

Find out more about investing by using the links below.

Making your own investment choices >
Your investment options >
Happy young family in a field with windfarms Responsible investing >
Planning tools > Boost your savings > How much will you need > Retirement Planner >