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What can I invest in?

Lifestyle options

What is a lifestyle option?

If you would rather not choose the individual funds or manage the risk profile of your pension as you near retirement age, this option could be for you.  The lifestyle options will initially invest your contributions in funds for the potential of long term growth and then automatically and steadily switch your investment into lower risk funds as you get nearer your chosen retirement age.

The following are descriptions of each of the Lifestyle Profiles. We can provide you with details of the percentage split between funds during the lifestyle period for any of the profiles on request.

Cautious Managed

This initially invests in the Distribution Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls 10 years before your chosen retirement age and then on each anniversary of that date.

Consensus 3 Year

This initially invests in the Consensus Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls three years before your chosen retirement age and every month until you reach your retirement age.

Consensus 5 Year

This initially invests in the Consensus Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and every month until you reach your retirement age.

Dual Fund

This initially invests in the Managed Fund before switching to the Index-Linked Gilt Fund. The switches start on the date which falls five years before your chosen retirement age and then on each anniversary of that date.

Global Equity 70:30 Index

This initially invests in the Global Equity 70:30 Index Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and switches every three months after that.

Global Equity 70:30 Index/Fixed Interest

This initially invests in the Global Equity 70:30 Index Fund before switching to the Fixed Interest Fund. The switches start on the date which falls five years before your chosen retirement age and then on each anniversary of that date.

Global Equity 70:30 Index/Index Linked Gilt

This initially invests in the Global Equity 70:30 Index Fund before switching to the Index-Linked Gilt and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and switches every three months after that.

Global Equity Fixed Weights 60:40 Index

This initially invests in the Global Equity Fixed Weights 60:40 Index Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and switches every three months after that.

Global Equity Fixed Weights 50:50 Index/Fixed Interest

This initially invests in the Global Equity Fixed Weights 50:50 Index Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and switches every three months after that.

Global Equity Fixed Weights 50:50 Index/Index Linked Gilt

This initially invests in the Global Equity Fixed Weights 50:50 Index Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and every month until you reach your retirement age.

Global Equity Fixed Weights 50:50 Index/Over 15 year Gilts

This initially invests in the Global Equity Fixed Weights 50:50 Index Fund before switching to the Over 15 Year Gilts Fund and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and then on each anniversary of that date.

Managed

This initially invests in the Managed Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls 10 years before your chosen retirement age and then on each anniversary of that date.

Monthly UK Equity Index

This initially invests in the Monthly UK Equity Index before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls five years before your chosen retirement age and every month until you reach your retirement age.

Triple Fund

This initially invests in the Managed Fund before switching to the Index-Linked Gilt and Fixed Interest Funds. The switches start on the date which falls five years before your chosen retirement age and then on each anniversary of that date.

UK Equity Index

This initially invests in the UK Equity Index Fund before switching to the Fixed Interest and Cash Funds. The switches start on the date which falls 10 years before your chosen retirement age and then on each anniversary of that date.

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