We offer a choice of four investment pathways, based on what you intend to do with your pension savings over the next five years (from the point you start flexibly accessing your savings).
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.