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.

Download factsheet about Option 1: I have no plans to touch my money in the next 5 years

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.

Download factsheet about Option 4: I plan to take out all my money within the next 5 years

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. 

Speak to an adviser

We recommend that you speak to a financial adviser before choosing your own investments as selecting an unsuitable investment could significantly reduce the value of your pension savings.

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