Investment choices

Your investment options

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.

Option 1: Choose a low-involvement option

A low-involvement option is a lifestyle profile, which means that as you get closer to retirement it automatically prepares your pension savings for retirement.

Option 2: Choose your own investment options

If the low-involvement option isn’t for you, you’d like to choose a different lifestyle profile, or you want even more choice about where your money is invested, you can choose your own funds. There are choices to suit your level of experience and how involved you want to be.

Things to know about investing

Find out more about investing - from what a fund is, right through to help with choosing which options to invest in.

Check and change your investments

You can keep up to date with how your investments are doing - and make any changes - very simply online.

 Important information

As with any investment its value can go down as well as up and may be worth less than what was paid in.

If you need help with choosing your investments, you should seek financial advice. There is likely to be a charge for this. 

Important documents

To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.

Read this guide for more information about the DB (UK) DC Pension Plan.

Member guide (PDF, 727KB)

This document provides more details about the Standard Life Master Trust.

Member outline (PDF, 264KB)

The appropriate summary document (to your membership class) is to be read along with the Member outline document.

Plan summary – class A members (PDF, 260KB)

The appropriate summary document (to your membership class) is to be read along with the Member outline document.

Plan summary – class B members (PDF, 266KB)

Read this guide for more information on the different ways you can pay into your pension, and the tax benefits and tax charges which can apply.

Information about tax relief, limits and your pension (PDF, 99KB)

Complete this form to nominate lump sum death benefit payments.

Payment of lump sum death benefit (PDF, 87KB)

This form is used to request for the scheme to pay the Annual Allowance Charge.

Annual Allowance Charge form (PDF, 90KB)