In certain types of company pension, a trustee will make the investment choice on behalf of all members or will select a shortlist of funds for you to choose from. Your employer can tell you if either case applies.
There are different types of funds to suit the requirements of different investors - you can choose exactly where your payments are invested and you can switch funds whenever you wish, although we reserve the right to charge for this. (Note that you can only invest in 12 of our funds at any time).
How you choose the fund(s) will depend on a number of factors. These include:
The value of an investment in any of the investment-linked funds may go down as well as up and you may not get back as much as you paid in.
To help you decide how you want your payments to be invested, you can use our interactive fund selection tool:
Remember that if you are unsure as to where your payments should be invested, you should speak to a financial adviser. There may be a cost associated with obtaining advice.
