Personal Pension - Our easy option

With our easy option Personal Pension your money goes into one of our MyFolio Managed Strategic Lifestyle Profiles.

Here’s some information about the profiles, so you can understand more about how they work, the different risk levels, where and what they invest in, and how they’re performing.

What are lifestyle profiles and how do they work?

Lifestyle profiles are designed to make it easy for you to save for retirement. Once you’re in a lifestyle profile, you don’t need to do anything, although we do recommend that you regularly review your investments to make sure they’re on track to meet your goals.

1. Growth phase
(usually if you’re more than 10 years from your retirement)

Our MyFolio Managed Strategic Lifestyle Profiles will invest your money in one of the MyFolio Managed Funds based on your chosen level of risk. These aim to increase the value of your pension over time.

2. Approaching retirement phase
(usually if you’re less than 10 years from your retirement)

The profiles will gradually move your money into funds designed to get your investments to where they need to be for taking your retirement benefits.

Remember that all funds can go down as well as up in value and investment growth is not guaranteed.

You make one decision, our experts will do the rest

You simply choose which MyFolio Managed Strategic Lifestyle Profile is right for you based on your chosen level of risk.

Choose how much or how little risk you're happy to take:


Lower risk

Medium risk

Higher risk


Remember that past performance is not a guide to future returns.

How the funds you invest in through the profile will change as you get closer to retirement

KEY Profile III

The funds you invest in through the profile will change as you get closer to retirement. You don't have to do anything - your money will be moved automatically

1. Growth phase

During the growth phase, your money will be invested in one of the MyFolio Managed Funds.

Let’s look at performance

£1,400

£1,300

£1,200

£1,100

£900


If you had invested £1,000 in December 2012 this would now be worth ...

Remember that past performance is not a guide to future returns. As with any investment, the value of your funds can go down as well as up, and may be worth less than you paid in.
*Performance Source: FE 31/12/2017.

Where is the money in your pension invested?

The experts who manage the MyFolio Managed Funds have the option to invest across the globe, and in different types of investments to try and get the best possible returns to suit your chosen risk level.

Regional split for Standard Life Pension Fund

  • 30% UK
  • 30% Europe (ex UK)
  • 30% North America
  • 30% Emerging Markets
  • 30% Japan
  • 30% Asia Pacific
    (ex Japan)
  • 30% Money Market
  • 30% Specialist and other (including absolute return)

This map is a broad graphical representation of regional exposures and does not represent the detail of the holdings of the fund.

Asset class split for Standard Life Pension Fund

An asset class is a category of investments, such as equities or bonds. Normally assets in the same class have similar characteristics. But they can have very different returns and risks.

Equities
Part ownership in a company - often known as stocks or shares.

Bonds
Essentially loans to a government or company. Often for a set time period and usually pay regular interest. Bonds can be issued by governments or companies.

Property
Includes direct investment in buildings and land. Also indirect investments like shares in property companies.

Money market instruments (including cash)
Includes deposits with banks, governments and large corporations, as well as investments that are generally riskier than cash. Money market instruments can fall in value.

Specialist and other (including absolute return)
Other investments that don’t fit into one of the other asset class categories. Includes direct and indirect investments in real assets like commodities, for example oil and precious metals. Also includes investments with specialist characteristics, such as absolute return investments.

More about asset classes at Where to invest.

How the Standard Life Pension Fund has performed and where it invests.How the Standard Life Pension Fund has performed and where it invests.

 Standard Life MyFolio Managed III Pension Fund

Data provided by FE.
Care has been taken to ensure that the information is correct, but it neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omission or any inconsistencies herein.

Performance
*Performance, Source: FE (Performance data). These figures are based on performance from 31/12/2012 to 31/12/2017. They are calculated using the fund's bid price which is the price you receive when you sell units in a fund, and assumes that any income the fund generates is reinvested. It also takes into account the charges which apply to the fund.

Regional and Asset class splits

  • Regional splits
    Source: Standard Life Investments. These figures are based on information as at 31/12/2017.

  • Asset class splits
    Source: Standard Life Investments. These figures are based on information as at 31/12/2017.

Remember, as with any investment, the value of your fund can go down as well as up, and may be worth less than you paid in.

2. Approaching retirement phase

Other strategic lifestyle profiles

If you know how you want to take your money when you retire, one of our other strategic lifestyle profiles may be more appropriate. For example, if you want to buy a fixed income (an annuity), we have a range of Annuity strategic lifestyle profiles.