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Making your own investment choices

You can choose where your pension is invested. However, before you make any changes, there are a number of things you ought to consider.

How much do you understand about investing?

It’s important to understand what investments are and how they work. Investment guide provides a useful introduction to the basics.

How do you feel about investment risk?

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.

Are your savings invested in the right place?

How your pension is invested can make a big difference. So, it’s important to make sure you’re invested in a way that reflects your circumstances and goals.

If you want to make sure that you are making responsible investment choices our responsible investing guide will help you understand your options.

Find out how our investment management business incorporates a responsible investing approach, considering ESG issues in their investment process.

How much income do you think you’ll need in retirement?

It might seem a long way off, but working out how much you’ll need (or want) in retirement will be an important factor in helping you decide how much to pay in and where to invest it.

When are you planning to take your money?

The amount of time until your selected retirement age could influence the amount of risk you’re prepared to take. For instance, the further away it is, the more risk you might be prepared to accept. Similarly, you may want to take less risk, the closer you are to retirement. 

Can you afford for your savings pot to go down in value?

Are you prepared - or able - to accept a fall in the value of your pension savings in return for the possibility of greater returns? Or would you prefer more predictable, although potentially lower, returns?

Where can I find more information about funds? 

For detailed information such as up-to-date fund performance and unit prices, see our Fund Centre.

How often will you review your investment choices?

Please note Legal & General cannot provide financial advice. If you want help to make your own investment choices, you should speak to a financial adviser. You can find one in your local area at unbiased.co.uk. Financial advisers usually charge a fee for their services, but it will be personal to you and your circumstances.

We can offer you a way of paying your adviser directly from your pension pot, this is called a facilitated adviser charge. The Facilitated adviser charge guide explains how this works.

Investment guide

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

Manage your account

Keeping up to date with your pension savings is easy with our online service, Manage Your Account.

Responsible investing

Find out how our investment management business incorporates a responsible investing approach, considering environmental, social and governance (ESG) issues in their investment process.