Your investment options
Members of this pension plan can invest their pension savings in either:
1. An investment fund
A fund can invest in a range of things such as property, shares, bonds and cash. It is run by a fund manager whose job is to ensure that the objectives of the fund are being met on behalf of the investors.
If you select one of our Target Date Funds, you will also be choosing a fund that adjusts the way your savings are invested as you get closer to your target retirement date and beyond. For more information see our Guide to Target Date Funds.
2. A lifestyle profile
This is an investment strategy that automatically adjusts where your savings pot is invested as you approach your selected retirement age. A typical lifestyle profile is designed to automatically move your money into funds that reflect the way you want to take your money when you get to your selected retirement date, such as taking regular income or cash lump sums.
To find out more about funds including our Target Date Funds, and lifestyle profiles and how they work please see Investment guide.
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 Environment, Social and Governance Hub.
If you want to make sure that you are making responsible investment choices, our fund guide will help you understand your options.
Balancing risk and 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.
Investment guide includes a step-by-step guide to help you understand all the things you should consider before making any investment decisions.
Want more detailed information about your funds?
For more information on your investments, see 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.
Before you make any investment decisions, make sure you understand what investment risk is and how you feel about it. Your guide to how your funds are managed explains the key principles we follow when managing our funds and what happens when an unexpected event occurs.