Investment solutions

We offer a large range of investment solutions to satisfy all risk profiles, complemented by a high degree of flexibility:

  • Members may invest in the default strategy and self-select funds simultaneously
  • All self-select funds come with a pre-packaged lifestyle profile
  • Members may design their own personalised lifestyle profile
  • Members have access to a range of funds designed to deliver natural income yield

Our investment range

Your employees can choose from the range of options. Their contributions are automatically invested in the default fund, but our Starter Funds and Wealth Shortlist offer an expertly curated choice. Or, they can choose their own investments from our wider platform. These options are not personal advice. If you’re not sure of the suitability of an investment, ask us about advice. Investments can rise and fall in value, so you could get back less than you invest.

DEFAULT FUND

For those who aren’t comfortable choosing their own investments, our specialist research team selects a low-cost default fund for your Workplace Pension.

STARTER FUNDS

For those who want to choose their own funds, but are unsure where to start - our experts suggest three simple fund ideas that could appeal to almost any type of investor, an Adventurous fund, a Balanced fund, and a Cautious fund.

WEALTH SHORTLIST

This is a curated list of funds which our analysts believe have the potential to outperform their peers over the long term.

FULL INVESTMENT CHOICE

Members can choose shares from major stock exchanges, investment trusts, exchange-traded funds and more.

Investing responsibly with our default fund

Sustainable and ethical behaviour is becoming increasingly important, and our investment choices are no different. From an Environmental, Social, Governance (ESG) perspective, our default fund will apply exclusions and tilt toward companies that score well on a range of ESG criteria and away from those that score less favourably.

SPOTLIGHT ON:

Default fund

Most workplace pensions are invested in a default fund – a 'one size fits all' fund which tries to meet the needs of all members as far as is practical. Qualifying automatic enrolment schemes are required to offer a default fund option. A default fund is a great place to start for those who don’t feel comfortable choosing their own investments.

Group SIPP

We offer a Group Self-Invested Personal Pension (GSIPP). This means we offer a wide range of investment options for employees who are happy making their own decisions.