Our Active Plus options are specifically designed for employees in workplace pensions who want a low level of involvement in their investments.
We bring together a variety of different types of investments in one solution, and can manage it for you right up until retirement – so it’s as quick and simple as investing gets.
With our Active Plus options, all you have to do is decide how much risk you’re comfortable taking and select the appropriate one.
Our experts will decide what it should invest in and when, and make sure it doesn’t take any more or less risk than you said you were comfortable with. They’ll also aim to produce the best possible returns for the level of risk you’ve chosen.
As with any investment, the value of the funds you’re invested in can go down as well as up, and may be worth less than was paid in. We also recommend that you regularly review your investments to make sure they remain appropriate for you and they’re on track to meet your goals.
Straightforward to work out which one’s right for you
1. Decide how much risk to take and the best Active Plus option for you
You choose the one that’s most appropriate for you from one of five risk levels.
- I - lower risk
- II - lower to medium risk
- III - medium risk
- IV - medium to higher risk
- V - higher risk
If you’re not sure which risk level is right for you, our risk questionnaire might help.
2. Select your option and let us do the rest
Our experts will get on with managing the option you’ve chosen.
Global, diversified investment
The investment managers running the Active Plus options invest across the globe through a range of actively managed funds from Standard Life Investments. They use different types of investments to try and get the best possible returns for the level of risk you’re happy taking.
Find out more about active and passive management.
Invest through your workplace pension
The Active Plus options are available through most workplace pensions. You can choose individual funds. Or, if you want an option that gets your pension savings ready for taking them, you might want to consider a strategic lifestyle profile.
Strategic lifestyle profiles aim to grow the value of your pension savings, as well as getting them ready for how you plan to take them - whether that's buying a guaranteed income, taking a lump sum, keeping it invested and taking it out as and when you want or a combination. They do this by moving your money into a different mix of investments as you get closer to your retirement date.
Many workplace pensions use our Active Plus III Universal Strategic Lifestyle Profile as the low-involvement (or default) investment option. This is where your money is automatically invested if you don’t make your own investment choice.
Visit your workplace pension website or view your plan documents for more information about where you're invested and what other options are available.
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