Investment choice

Your pension plan is invested with the intention of making your pot grow over the long term. But remember, like any investment its value can go down as well as up, you could even get back less than was paid in.

Take time to understand your options, so you can make the right choices for you. You can check where you are currently invested on your online account or via the mobile app.

Investing made easy

By default, the money in your pension plan will be invested in the low-involvement option: the KPMG Flexible Retirement Lifestyle 2026. This has been chosen by KPMG and their adviser, as a good option for most people in the company.

 Fund guide

This option may be right for you if:

  • You're happy for someone else to make your investment choices on your behalf
  • You don’t want to worry about moving your investments around as you approach retirement
  • You are happy with investment experts managing your money on your behalf

Your money will stay invested in this option unless you decide to change where you invest. You should review this option to check it's right for you.

What you'll pay if you invest in the selected option

  • Charges

    1.09%

    Charges displayed are for the fund used in the growth stage of the profile and are made up of the Fund Management Charge and any Additional Expenses.

  • Discount

    0.81%

    KPMG has arranged this plan rebate for you. You will still benefit from it even if you leave your job.

  • What you pay

    0.28%

    This is the effective total annual fund charge you'd pay if your plan was invested in the growth stage of the default option.

This information is correct as at April 2023. Charges and rebates may change in the future. The figures shown above reflect the charges for the fund used in the growth stage of this lifestyle profile. There may be other funds in the profile that are more expensive. For more information please read your  Fund guide

The selected range

KPMG and their adviser have selected a range of investment options that they believe to be appropriate for pension plan investments. If you want to change from the low-involvement option you can choose from this range. The right option for you will depend on various factors, such as your circumstances, experience of investing and attitude to risk.

  • You should note that the inclusion of a range of selected investment options does not mean that they are recommended as being suitable in every case.
  • You can find out more about the Standard Life approach to responsible investing and how it is built into the investment options we offer on the Investment Guidance page.
  • You can log in to your account to make a fund switch after you’ve made your first payment into the plan. You’ll find a range of investment guides and a risk tool that could help you decide what option might be right for you.

If you are in any doubt as to which investment option(s) you should choose, we strongly recommend you seek advice from a financial adviser. Read the  Fund guide for more information about the different funds you can choose from and potential charges.

Remember to regularly review your choices, especially if your circumstances change.

Things to be aware of

  • Before you choose an investment option, make sure you understand its aims and risks
  • As with any investment, the value can go down as well as up, and may be worth less than what was paid in

Selected investment range – lifestyle options

KPMG Socially Responsible and Multi Asset Lifestyle Profile

Here is a list of the funds which are used within this lifestyle profile - you cannot invest in these funds individually:

KPMG Flexible Retirement Lifestyle Profile

Here is a list of the funds which are used within this lifestyle profile - you cannot invest in these funds individually:

KPMG (Covered Persons) Flexible Retirement Lifestyle Profile

Please note, if you are affected by the Personal Independence rules and restrictions affecting Standard Life funds, KPMG, with the help of their advisers, have launched a lifestyle profile – the KPMG (Covered Persons) Flexible Retirement Lifestyle Profile. As this profile does not invest in Standard Life funds, you can invest in this while meeting your Personal Independence considerations. Should you have any questions about the Independence rules, please email the KPMG Personal Independence team at ukfmpi@kpmg.co.uk.

Here is a list of the funds which are used within this lifestyle profile - you cannot invest in these funds individually:

If you'd like more information about these options, you can read the  Fund guide.

Selected investment range – fund options

*The FTSE Developed Europe ex UK Index is calculated solely by FTSE International Limited ("FTSE"). FTSE does not sponsor, endorse or promote this fund. All copyright in the index values and constituent list vests in FTSE. Licences have been obtained from FTSE to use such copyright in the creation of this fund. "FTSE®" is a trade mark jointly owned by the London Stock Exchange Plc and The Financial Times Limited and is used by FTSE under licence.

More specific information on costs and charges 

Responsible and Sharia-compliant investment options

You can find out more about the Standard Life approach to responsible investing, including Sharia-compliant options on the Investment Guidance page.

Full fund range

If you have a good understanding of investments and how assets perform then you may prefer to choose your own investments from the full Standard Life range.

Details of the full fund range are available in the  Fund guide.

Got other pensions?

It's likely that you've paid into more than one pension pot if you've had more than one job. Combining your pots could make things easier to manage and help you save on fees.

Use our tool to compare your charges

Explore investments

Once you've joined your pension plan, you can use your plan number to register online. This will give you access to your online account.

Here you can make changes to your plan, and find guides and videos that will help you understand your investments.

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