We offer a choice of four investment pathways, based on what you intend to do with your pension savings over the next five years.
Each investment pathway invests in a mix of funds and asset classes and aims to meet different retirement needs, as shown below.
Option 1: I have no plans to touch my money in the next 5 years
Investment pathway 1: aims to deliver growth above inflation for a customer who has no short-term plans to access their savings.
Option 2: I plan to use my money to set up a guaranteed income (annuity) within the next 5 years
Investment pathway 2: aims to maintain annuity buying power for a customer looking to buy an annuity in the short-term.
Option 3: I plan to start taking my money as a long-term income within the next 5 years
Investment pathway 3: aims to deliver growth above inflation to support sustainable income withdrawal.
Option 4: I plan to take out all my money within the next 5 years
Investment pathway 4: aims to offer the potential for above inflation growth while supporting short-term withdrawal needs.
Our investment pathways bring you a range of benefits:
- Experts monitor each pathway at no extra cost
- Designed to match how you want to use your money
- Ongoing fine-tuning
- Hands-on supervision
- Easy online access
You should remember that investment returns are never guaranteed. So while there’s a chance your savings could grow, their value can also go down. This means you could get back less than you started with.