Your investment options

Low-involvement option

When you join the DC Pension your money is automatically invested in the default investment option. The Trustees have chosen this as it's considered an appropriate option for many people's pension plan investments.

Unless you decide to move your money into another investment this is where it will stay invested. You should review this option and check it's suitable for your needs.

It could be appropriate if:

  • You want a low level of involvement in the selection of your investment options
  • You don't want to worry about moving your investments around as you approach retirement

To find out more about the default investment option, see the information provided by Staff Pensions and the Your DC Pension guide (PDF, 358KB).

 

Understand what the charges are

Choose your own investments

If you want more choice - or more control - over where your money is invested, you can choose from a wider range of options. There are choices to suit your level of experience with investing and how much time you want to spend monitoring and managing your investments.

Other Trustee selected lifestyle options

There are two additional lifestyle options that the Trustees have selected. Depending on how you might take your pension savings at retirement, you may wish to consider these.

  • The Annuity Lifestyle (using the MyFolio Managed IV Annuity Strategic Lifestyle Profile (SLP)) is aligned to taking an annuity at retirement
  • The Cash Lifestyle (using the SLSPS Managed Lifestyle Profile) is aligned to taking a cash lump sum.

For more information on these options, see the:

Your DC Pension guide (PDF, 358KB).

Core fund range

The Trustees have selected a range of core funds which they actively monitor to ensure they remain appropriate.

For more information on these options, see the:

Your DC Pension guide (PDF, 358KB).

Full fund range

The Trustees have also opened up the wider range of funds available under this product. However, please note that Trustees do not apply the same level of governance to these funds as they do to the other options.

For more information on these options, see the:

Your DC Pension guide (PDF, 358KB).

You can also find fund factsheets and past performance information on Standard Life's website.

Visit standardlife.co.uk

Understand what the charges are

 Important information

Remember that with investments the value can go down as well as up and may be worth less than what was paid in. lf you need help choosing your investments, you should seek financial advice. There is likely to be a charge for this. 

Guidance and tools

 

Find out more about investing.

Why invest?

 

Find out how much you might need in retirement.

Use our retirement cost tool

 

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.

Manage your products online

Keep up to date with your payments and find out how you can change payments and 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.

More information about the DC Pension is available in ‘My products and options’.

This document explains the features of the pension product Standard Life has chosen.

Key features document (PDF, 191KB)

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 company pension. You can find more info about charges and rebates on the charges page.

Key features illustration (PDF, 496KB)

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

Your DC Pension guide (PDF, 358KB)

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)

This form should be completed if you wish Standard Life to pay part or all of your Annual Allowance tax charge from your plan.

Scheme Pays Application Form (PDF, 89KB)