Your investment options

It's your money - take control

Where your money is invested can make a big difference to what your pension pot will be worth - and to your lifestyle - when you retire.

So it’s important that you find out where your money is invested and what your options are.

 

Option 1. Stay in the low-involvement option

This option has been chosen by the Trustee and Deutsche Bank. They believe it's a good option for most people in the company.

It's 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.

Pros:

  • You don't have to actively manage your investments
  • It automatically prepares your pension savings for retirement

Cons:

  • It's not suitable for everyone

More about the low-involvement option

Option 2. Choose your own investment options

If you want more choice about where to invest your money, you can choose from a range of lifestyle profiles or from the selected range of funds.

You don't have to be an investment expert. There are choices to suit your level of experience and how involved you want to be.

Pros:

  • You get full control over where to invest your money
  • If you choose individual funds, you can select a portfolio to match your needs and attitude to risk

Cons:

  • Unless you choose a strategic lifestyle profile, you may need to be more involved in managing your investments

Find out more about your options

 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)

Investments explained

Ever wondered why your money is invested? And how investment works? It’s not as complicated as you might think.