Investing as you approach retirement

It’s important, particularly if you’re 7 years or less from retirement, to ensure that your savings are invested in a way that reflects your circumstances and the way you want to take your money at your Target Retirement Age.

If you haven’t done so already, you need to ask yourself a couple of key questions.

Is your Target Retirement Age right for you?

Do you still intend - or can you afford - to take your money when you had originally planned?

If your Target Retirement Age no longer reflects your circumstances or your plans, you may want to change it.

If you still intend to take your money at your Target Retirement Age, then you just need to check that it’s invested in a way that reflects how you plan to take the money from your Plan savings.

You can always change your Target Retirement Age as your future plans become clearer. You can do this by completing the online form.

Do you know how you plan to take your money?

You have a range of options when it comes to taking money from your Plan savings. Have a look at ‘Your options for taking your money’ for more details.

Knowing how you intend to take your money will help you choose investments that reflect the way you plan to take your Plan savings.

There are a number of other factors to consider. The ‘Making your own investment choices’ page can help you focus on all the things you should be thinking about when it comes to choosing investments.

Helping you to invest as you approach retirement

We’ve created some lifestyle profiles for member who’d like their savings to be invested in a way that reflects their retirement plans without having to actively manage the way they are invested. See the Arriving section to find out more.