Investment choices

Where your money is invested is up to you. There are choices to suit your level of experience with investing and how involved you want to be with managing your investments.

As with any investment its value can go down as well as up and may be worth less than what was paid in. Before you choose an investment option, make sure you understand its aims and risks.

For 2000 Plan Benefits members, your investment choices can be found in the 'Investment Guide for the BAE Systems Pension Scheme (2000 Plan Benefits)'. All other BAE Systems Pension Scheme members should refer to the 'Investment Guide for the BAE Systems Pension Scheme (AVC and Level 100+ Retirement Account)' for their investment choices.


Low-involvement option – Default*

The default option is a lifestyle profile, which means that as you get closer to retirement, it will gradually and automatically move your money into funds which aim to prepare your pension savings for retirement.

*If you are a 2000 Plan Benefits member please refer to the Investment Guide below and not the links within this section.

You should make sure any lifestyle profile you choose matches how you plan to take your retirement income.

As lifestyle profiles make changes to your investments based on your selected retirement date, they may only be suitable if you're planning to start taking your retirement income on this date.

If you're in a lifestyle profile, you can’t invest in any other lifestyle profile or funds.

You can also choose from two alternative lifestyle profiles:

Flexible Lifestyle >

Annuity Lifestyle >

Log in to change your lifestyle profile >

Useful documents

Investment Guide for the BAE Systems Pension Scheme (AVC and Level 100+ Retirement Account) (PDF, 295KB)

Investment Guide for the BAE Systems Pension Scheme (2000 Plan Benefits) (PDF, 297KB)

The Trustee has provided you with the following useful documents. Standard Life Assurance Limited are not responsible for the content of these documents.

100+ Investment Instruction Form (PDF, 195KB)

100+ Target Retirement Age Change Form (PDF, 174KB)

BAESPS AVC and Investment Choices Form (PDF, 195KB)

BAESPS AVC Target Retirement Age Change Form (PDF, 181KB)

Do you need help?

SIPS Benefits members:

Contact the Capita Administration Centre

0345 601 0607


All other Scheme members

Contact the Equiniti Pension Service Centre

0800 917 9568

If calling from overseas: +44(0)121 415 0891


Get some guidance

Members over 50 can get free retirement guidance from the government’s Pension Wise service.

Visit Pension Wise >