How your pension is invested
When you join the pension plan, the contributions that you and/or Network Rail make are invested in either a fund or a lifestyle profile that has been chosen for you. This is called the default investment option.
The default investment option for the Network Rail Defined Contribution Pension Scheme (NRDC) is the Managed Lifestyle. The Managed Lifestyle factsheet provides information about the aims and charges.
Although it’s considered a suitable choice for most members, the default investment option doesn’t take into account your personal circumstances or future plans. With this in mind, given that you can make your own investment decisions, it’s worth considering whether it’s currently the most appropriate place for your pension savings to be invested.
If you think you want to make your own investment decisions, visit Investing your pension pot for the things you need to consider.
You may want to know how our stance on issues affecting the environment, the fair treatment of people and the way businesses are run affects our investment strategy. If so, you’ll find information about our policies and projects on these matters in our Environment, Social and Governance Hub. You can also see a summary in our quick video.