This page shows the funds available to you. You can choose to invest your pension savings in any of the funds listed below.
Each fund has been given a risk rating from one to seven (1 the lowest risk to 7 the highest risk). It’s important you understand all the risks before making any investment decision Our guide to risk and reward will help.
Fund specific risks
In the table of funds, there are one or more numbers listed against each fund. Each number relates to a risk associated with that fund, and there is a description of these further down the page.
Charges
Each fund has a fund management charge (FMC), which is made up of the investment management charge (IMC) plus additional expenses (AE) *AE can vary throughout the year.
In addition to the charges for investing your contributions, there is also an Annual Management Charge (AMC).
Investment funds available
To find out more about each fund (including performance, risks and charges) click on the fund name. You can also click on each column header to help you group investment funds together e.g. by ABI sector.
Please note the data in this table was last updated on 30 August 2024
Fund risk rating category | Fund name | Fund code | ABI sector | Fund specific risks | IMC | AE | FMC |
---|---|---|---|---|---|---|---|
6 | L&G PMC All Stocks Index Linked Gilts Index 3 | NEL3 | UK Index-linked Gilts | 2, 3, 14, 23, 39, 62 | 0.08% | 0.00% | 0.08% |
5 | L&G PMC All World Equity Index 3 | B4T3 | Global Equities | 1, 5, 6a, 10, 22, 39, 62 | 0.12% | 0.00% | 0.12% |
1 | L&G PMC Cash 3 | EAB3 | Deposit & Treasury | 3, 13, 39, 62 | 0.09% | 0.00% | 0.09% |
5 | L&G PMC Future World Annuity Aware Fund 3 | NEN3 | Sterling Long Bond | 2, 3, 24, 39, 62 | 0.12% | 0.00% | 0.12% |
4 | L&G PMC Future World Multi-Asset Fund 3 | BT63 | Mixed Investment 40-85% Shares | 1, 2, 3, 5, 6a, 10, 15, 22, 36, 37, 62 | 0.16% | 0.00% | 0.16% |
5 | L&G PMC Future World Fund 3 | BJ13 | Global Equities | 1, 5, 6a, 15, 22, 36, 39, 62 | 0.24% | 0.00% | 0.24% |
6 | L&G PMC Global Real Estate Equity Index 3 | B7O3 | Property Other | 1, 5, 6a, 11, 22, 37, 39, 62 | 0.19% | 0.00% | 0.19% |
4 | L&G PMC Multi-Asset 3 | NTW3 | Mixed Investment 40-85% Shares | 1, 2, 3, 5, 6a, 10, 22, 62 | 0.13% | 0.00% | 0.13% |
6 | L&G PMC UK Equity Index 3 | NBC3 | UK All Companies | 1, 6a, 39, 62 | 0.10% | 0.00% | 0.10% |
5 | L&G PMC World (Ex-UK) Equity Index 3 | NED3 | Global Equities | 1, 5, 6a, 22, 39, 62 | 0.12% | 0.00% | 0.12% |
Lifestyle profiles available
The following lifestyle profile are available:
To find out more about this lifestyle profile, click on the link above. You’ll see a fact sheet that describes whether the lifestyle profile is designed for those who want to take their pension savings in one of the following ways at retirement:
- Cash
- An income (referred to as flexi-access drawdown or income drawdown)
- A guaranteed lifetime income (known as an annuity)
- A flexible outcome (suitable for people who don’t yet know how they plan to take their retirement benefits, or who plan to take their retirement benefits in a variety of different ways)
You’ll also see information about the funds that the lifestyle profile invests in and its advantages and disadvantages.
Fund specific risks
Each number relates to a risk associated with that fund, and this section contains descriptions of those risks.
There are some numbers missing from this list. Although Legal & General applies these risks to a range of funds, only the risks that might apply to the funds in this guide are shown in this list.
- 1 - Equities
- 2 - Fixed interest securities
- 3 - Risk of issuer becoming less secure
- 4 - Sub-investment grade
- 5 - Currency changes
- 6a - DERIVATIVES: in relation to funds using derivatives for “EPM” purposes
- 6b - DERIVATIVES in relation to funds using derivatives for “investment”
- 7 - Derivative counterparty risk
- 8 - Smaller companies
- 9 - Limited holdings
- 10 - Emerging markets
- 11 - Market sector
- 12 - Property
- 13 - Money market
- 14 - Few bond issuers
- 15 - Exclusions
- 22 - Stock lending
- 23 - Inflation and index linked instruments
- 24 - Pre-retirement funds
- 25 - Exchange traded funds
- 30 - Retirement income drawdown
- 36 - Exclusion of companies who do not meet LGIM’s standards in accordance with LGIM's climate impact pledge
- 37 - Turnover
- 38 - Commodities
- 39 - Portfolio diversification
- 41 - Infrastructure
- 42 - Real estate
- 43 - Private companies
- 60 - Targeted absolute return funds
- 61 - Reinsurance credit risk
- 62 - Delayed repayment
Changing where your pension savings are invested
You can change where your pension savings are invested at any time: Log in to Manage Your Account. You can see the different funds and change the way your pension savings are invested.