What are investment pathways?

Investment pathways were introduced to give people who are taking money from their pension savings simple, good-value investment options.

We offer a choice of four investment pathway options, covering the four most common ways that people generally choose to take money from their pension. You choose the one which most closely matches your plans for your pension savings.

What are my options?

Why choose one of our investment pathways?

All our investment pathways are managed by experts and are regularly checked to make sure that they include the best mix of investments to continue to meet their aims.

Where necessary, our experts will adjust the mix of investments. You don’t need to do anything - this is all included at no extra cost to you.

Remember that all investments can go down as well as up in value, and you could get back less than you paid in.

Speak to an adviser

We recommend that you speak to a financial adviser before choosing your own investments as being in an unsuitable investment could reduce the value of your pension savings. This could mean that your money doesn’t last as long as you need it to.

Risk profiler

Get an idea about your attitude to risk – how much risk you feel comfortable taking with your investments – by answering 12 simple questions.

Frequently asked questions about investment pathways

No, you can choose any other investment option from our range.

They'll stay in the investment pathway unless you choose to move to another investment option.

No, you can make changes to your investments at any time.

You can move to another investment pathway or any of our other investment options at any time.

If you're unsure whether an investment pathway is right for you, we recommend speaking to a financial adviser. We designed our investment pathways to be a simple choice for our customers, but we can't give individual advice.