Investment choices

Your investment options

It's important that you take time to understand the investment options available to you. Where your money is invested can make a big difference to what your pension will be worth - and to your lifestyle - when you retire.

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

Find out more about your investment options

What are the charges?

The charges on your investments depend on how they are managed and what you invest in.

Check or change your investments

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

How much risk should you take?

If you are not sure what your attitude to investment risk is, you can use our risk questionnaire to help you.

Understanding investments

This section explains more about how investments work and how you can choose between them.

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)