Carefully crafted investments

Whether you choose one of our ready-made options, or you create your own solution, we have something to suit everyone.

Complete investment solution

We have a number of ready-made solutions in the shape of our:

Or you can choose your own from our well-stocked range of funds.

You should speak to your financial adviser to find the right investment strategy for you.

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Ready-made options

All of our ready-made options fall under our Governed Range. This means they benefit from regular reviews, hands-on supervision and ongoing governance to help make sure they meet their objectives. At no extra cost.

Governed Portfolios

  • Take into account your attitude to risk and time to retirement.
  • Have a proven track record in governance and risk management.

Governed Retirement Income Portfolios (GRIPs)

  • Designed for customers looking to enjoy flexible access to their savings.
  • Match your attitude to risk with your desired level of income.

Lifestyle Strategies

  • Ideal if you have a specific retirement goal, like taking cash or a regular income.
  • Automatically switch your savings from higher risk to lower risk investments as you approach retirement.
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Create your own solution

If you like a more hands-on approach, we have a well-stocked range of funds for you to choose from with the help of your financial adviser.

Governed Portfolios

  • Take into account your attitude to risk and time to retirement.
  • Have a proven track record in governance and risk management.

Governed Retirement Income Portfolios (GRIPs)

  • Designed for customers looking to enjoy flexible access to their savings.
  • Match your attitude to risk with your desired level of income.

Lifestyle Strategies

  • Ideal if you have a specific retirement goal, like taking cash or a regular income.
  • Automatically switch your savings from higher risk to lower risk investments as you approach retirement.

What do I need to watch out for?

Higher risk investments can help your money grow more. But there’s also a greater chance of losing money. And with lower risk investments, your money may not grow as much as you want it to.

Of course, investment returns are never guaranteed, So while your retirement savings could grow, their value can also go down – meaning you could get back less than you started with.

Some investment options carry an extra charge. So before you choose your own investments, you should speak to your financial adviser. They can give you an idea of the impact any extra charges could have on your retirement savings over time.

The longer your money remains invested, the more opportunity it has to grow, although there are no guarantees. 

In the future, your money won’t go as far as it does today. To protect the buying power of your money, you need to consider ways to counterbalance the long-term effects of inflation.

It’s worthwhile considering having a mix of investments, in case some of your investments don’t perform as well as you’d hoped.

Choosing a fund when you set up your plan isn’t enough. You should review your investments regularly to make sure they continue to meet your needs.

Attitude to risk

Everyone’s view of risk is different – some people are more comfortable taking risks, while others are naturally more risk-averse.

You may already know your attitude to risk. If not, don’t worry. You can get an idea of your attitude to risk by using our risk profiler.

Risk profiler about Attitude to risk

Change your investments

If you’re registered for our online service, you can change your investments online. 

Not registered for online service? You can register in a few simple steps.

Online service about Change your investments

Investment options

You can find out more about our full range of investment options by downloading our Investing for your retirement guide or visiting the investment section of our website.

Download guide