Investment choices

Where your AVCs are 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.


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.

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 guides

Investment Guide for the Royal Ordnance Pension Scheme (PDF, 610KB)

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

Application to pay/amend AVCs (PDF, 217KB)

Target Retirement Age Change Form (PDF, 149KB)

Do you need help?

Contact the Equiniti Pensions 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 >