Lifestyle Strategies

Lower your risk as your retirement gets closer

Our range of Lifestyle strategies move gradually from higher-risk to lower-risk investments as your retirement age gets nearer. Remember, your investments could fall as well as rise and you could get less back than you pay in.

Choose your own route

A Flexible Lifestyle Strategy lets you handpick which portfolios your investments are in at 15, 10 and five years from retirement.

To give you an idea of your attitude to risk, you can use our Risk Profiler.

All you need to do is tell us how you feel about risk and what your target is for your pension savings when you retire. Remember, the value of your investments could fall as well as rise, and you could get back less than you pay in.

Choose your target

There are three main ways to access your pension savings - and you can choose one or any combination of these options. Your choices really depend on your own retirement plans, and the money you have invested in your pension plan.

Spending time looking at your options now could help prepare you for a better retirement.

Enjoy a guaranteed regular income for the rest of your life.

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Take the income you need, when you need it.

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Have some or all of your pension savings paid as one, or more, cash lump sums.

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