Your investment options

It's your money - take control

Where your money is invested can make a big difference to what your pension pot will be worth - and to your lifestyle - when you retire.

So it’s important that you find out where your money is invested and what your options are.

 

Option 1. Stay in the Trustee selected option

Unless you pick another option, when you join The Telefónica UK Pension Plan your money is automatically invested in the Getting Ready for Flexible Retirement Lifestyle Profile (PDF, 771KB).

The Trustees have chosen this because they believe it's a good option for most people in the company. Your money will stay invested in this option unless you decide to change where you invest.

It's a lifestyle profile, which means that as you get closer to retirement, it will gradually and automatically move your money into funds which aim to prepare your pension for retirement.

Pros:

  • You don't have to select your own investments
  • You don't have to actively manage your investments
  • It automatically prepares your pension savings for retirement

Cons:

  • You can't invest in any other options if you choose this option
  • It's not suitable for everyone

More about the Trustee selected option

Option 2. Choose from the selected range

If you want more choice about where to invest your money, you can choose from the selected range of investment options.

You don't have to be an investment expert. There are choices to suit your level of experience and how involved you want to be.

Pros:

  • You get more choice about where to invest your money, but you still get some direction

Cons:

  • Depending on what you choose you might need to be more involved in managing your investments
  • Costs might be higher

Find out more about your options

 Important information

As with any investment its value can go down as well as up and may be worth less than what was paid in.

If you need help with choosing your investments, you should seek financial advice. There is likely to be a charge for this. 

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, 164 KB)

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

Becoming a member of the Telefónica Pension Plan (PDF, 771KB)

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)

Investments explained

Ever wondered why your money is invested? And how investment works? It’s not as complicated as you might think.