Investment options
Your investment options
Designed to help you balance the level of risk you are willing to take with the potential rewards you want to achieve.
Find out what our investment options are, how we review the options and further information on investment terminology.
Governed Portfolios
Our Governed Portfolios allow you to invest in a spread of assets while taking into account the length of time you have to save as well as the amount of risk you are prepared to take.
Each portfolio benefits from our governance service which simply means that we review them regularly. This allows us to make sure that they continue to meet their objectives.
What's more, this service comes at no extra charge.
Lifestyle Strategies
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 is designed to help with this.
Our Target Lifestyle Strategies have been specially created to provide a consistent approach that is regularly monitored and automatically updated. There are three sets of Target Strategies to choose from, each with five risk-graded versions featuring both passive and active equity management styles to choose from.
In the early years of your plan, they'll aim to provide maximum investment growth by investing in a higher risk portfolio. In the later years they aim to reduce your exposure to risk by investing in lower risk portfolios. This happens automatically and you don't have to do anything.
The other strategy - our Managed Lifestyle Strategy - works in the same way. It is designed for balanced investors and moves through our three managed funds.
Investment returns are not guaranteed. This means that the value of your investment can go down as well as up and you might not get back the value of your original investment.”
Governed Retirement Income Portfolios
If you are looking to take a regular income from your pension, our Governed Retirement Income Portfolios (GRIPs) will allow you to do this .
There are five GRIPs to choose from depending on your attitude to risk. Each portfolio benefits from the same governance service as our Governed Portfolios allowing us to make sure that they continue to meet their objectives, all at no extra charge.
Choose your own funds
If you want to pick your own funds we offer a carefully selected range to choose from.
Royal London pension funds
Our in-house funds are managed by our sister company - Royal London Asset Management. These funds offer opportunities to invest in the UK and overseas and aim to provide consistent long-term growth.
Specialist fund managers
You also have access to the investment expertise of some of the world's leading investment companies through our range of over 120 externally managed funds. Some of these funds have an additional charge.
If you would like more detailed information on the range of investment options available, please see our Investing for your retirement guide .
