Review your investments

You're in control

You don’t need to be an expert to stay in control of your investments. You just need to know where your money is invested and what your options are.

There are a few things you should consider when reviewing your investments:

1. Your attitude to risk

Acknowledging how you feel about investment risk is important. There are no rights or wrongs, because the "right" funds to be in are the ones that you feel most comfortable with, or the ones that suit your particular situation.

As well as considering your attitude to investment risk, you should also consider how much risk you're able to take with your investments - keeping in mind your other financial commitments and personal circumstances.

Remember that the right funds to be in could change at different stages of your life too.

It's a personal choice, so find out how you feel about risk with our risk questionnaire.

2. Performance

This plays a big part in the size of your pension when you retire because the returns on your investments affect how your pension potentially builds up. It's important that you know how a fund is expected to perform. You can also look at past performance, which tells you how a fund has performed, although remember, even if a fund has performed well in the past, there's no guarantee it will continue to do so. Some funds can also be compared against a sector or benchmark index. But often it's more relevant to consider whether a fund has achieved its objectives.

There's a fact sheet for every fund you're invested in that sets out what its objectives are and how it has performed in the past. Remember, with investments, the value of a fund can go down as well as up and may be worth less than what was paid in.

3. Timing

Investments need time to grow and a pension is normally a long-term investment.

Timing can also affect the amount of risk you might want to take with your investments. If you have a long time until you retire, you may be comfortable with slightly more risk - and the boost it may give your pension savings. However, if you’re only a few years away from retiring, you might not want to expose the money you’ve built up to as much risk.

Need help choosing funds?

We've got the information to help you work out if your money is in the right place.

Check or change your investments


It's easy to find out where your money is invested - and to make changes to your investments.

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.

This is where you will find specific details about your employer’s company pension.

Plan summary document (PDF, 73kb)

This document explains the features of the pension product your employer has chosen.

Key features document (PDF, 288kb)

This document gives you an illustration of what your pension could be worth.

Key features illustration (PDF, 164kb)

Read this guide for more information about how pensions work if you make payments through salary exchange.

Planning for more in retirement  (PDF, 2.31Mb)

Read this guide for more information on your investment options, including details about charges and fund codes.

How to choose the right investment options for your pension (PDF, 1.17Mb)

Use this form if you would like to join the plan and you aren't being automatically enrolled.

Authorisation form (PDF, 258kb)

Read this form for more information on Salary Exchange. This form has been provided by Howdens. Standard Life aren't responsible for the content of this guide.

Salary exchange factsheet (PDF, 203kb)

Presentation for members of the Howden Joinery Auto Enrolment Pension Scheme.

The Howden Joinery pension presentation (Recording)