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Investing as you approach retirement

It’s important, particularly if you’re 10 years or less from your Target Retirement Age (TRA), to ensure that your Lifestyle Account is invested in a way that reflects your circumstances and the way you want to use the money in your Lifestyle Account.

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

Do you know how you plan to take your money?

  • You have a range of options when it comes to taking money from your Lifestyle Account. Have a look at Your options from age 55  page for more details.
  • Knowing how you intend to take your money will help you to ensure that your Lifestyle Account is invested in a way that reflects your plans.
  • The Making your own investment choices  page can help you focus on what you should be thinking about when it comes to making investment decisions.

Why is setting your Target Retirement Age important?
Your TRA is the age when you think you are most likely to use the money in your Lifestyle Account. When you join the Plan this is automatically set for your 65th birthday.It’s important that you think about whether this is the right age and if not then to change this to the age that suits your personal circumstances. You can change your TRA by contacting the helpline on 0345 678 0297 or by completing the Target Retirement Age form  

Target Retirement Age

If you would like to change your Target Retirement Age.

Members' Guide

For a summary of the Plan and more detail about your Lifestyle Account.

Investment Guide

Understand the basics of investing and the investment options on offer in the Lifestyle Plan.

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