Your investment options

Members of this Plan can invest their retirement savings in either:

1. A lifestyle profile

This is an investment strategy that automatically adjusts where your Plan savings 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.

2. 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. 

To find out more about funds and lifestyle profiles and how they work, please see your Investment guide.

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 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.

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