Investing your money
We have a wealth of experience in developing investment strategies for workplace pension schemes and offer a range of innovative options.
In a group personal or stakeholder pension, your employer may have chosen an investment option for your plan, with help from their financial adviser. You can stick with this option, or you can choose your own investments instead.
For company pension schemes, the trustees of the scheme will normally decide on how to invest your retirement savings. However, they'll take your wishes into account when making their decisions.
Investment returns are never guaranteed. So you could get back less than what you put in.
Our investment options
Our Governed Portfolios allow you to invest in a spread of equities, bonds and property while taking into account the length of time you have to save, as well as the amount of risk you're prepared to take.
Each portfolio benefits from our governance service, which simply means that we review them regularly. This helps us to make sure that they continue to meet their objectives. What's more, this service comes at no extra charge.
The closer you get to taking your retirement benefits, the more likely it is that you'll want to reduce the risk to your savings. Our range of Lifestyle Strategies are designed to help with this.
In the early years of your plan, they'll aim to provide maximum investment growth by investing in higher risk investments. In the later years, they aim to reduce your exposure to risk by investing in lower risk investments. This happens automatically - you don't have to do anything.
Choose your own funds
If you want to pick your own funds, we offer a carefully selected range to choose from. Our internal funds are run by the Royal London Asset Management team. We also offer a range of external funds managed by a selection of hand-picked investment houses, including some of the world's best known investment companies.
Find out more
Our investment section has full details on the range of options we offer, as well as the latest fund prices, performance information and factsheets for our fund range.