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.

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.

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

Key features document (PDF, 288KB)

Read this member guide for more information about how pensions work and how you make payments.

Making the most of your pension  (PDF, 262KB)

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 guide (PDF, 740KB)

This document gives you an illustration of what your pension could be worth. It may not take into account rebates that may apply to your AVC plan. You can find more info about charges and rebates on the charges page.

Key features illustration (PDF, 220KB)

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, 190KB)

There are important differences between with profits and other types of investment. If you’re thinking of investing in with profits read the guide.

Guide to your with profits investments for pensions (PDF, 175KB)