How your pension savings are invested

The money (the transfer payment) that we received has now been invested in either a default fund or lifestyle profile, that has been chosen by the Trustee(s), unless you have selected your own investments.

The default investment option for Former Royal Mail Defined Contribution Plan is a Lifetime Advantage Fund. To find out more, please see your Guide to the Target Date Funds or The Target Date Funds video.

You’ll have received a policy schedule in the post that will detail your transfer payment.

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, and given that you can make your own investment decisions, it’s worth considering whether it’s currently the most appropriate place for your pension pot to be invested.

If you think you want to make your own investment decisions, visit Your guide to investing for the things you need to consider.

You may want to know how 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 views and activities on environmental, social and governance (ESG) matters in our ESG Hub.