Find out what they are, how they work and how you can invest in them.

Make it easy to save for retirement

Our strategic lifestyle profiles are set up to make sure that by the time you reach retirement, your money is in the right type of investments for how you plan to take your pension savings – whether that’s:

  • Buying an guaranteed income (annuity)
  • Taking it all as a lump sum
  • Keeping it invested and taking it out as and when you want
  • Or a combination of these options

Find out more about your options at retirement

They’re easy because once you’re in a strategic lifestyle profile, you don’t need to do anything. We’ll do everything for you right up until you retire, although we always recommend that you regularly review your investments to make sure they remain on track for your plans.

You can also be confident that if you choose a strategic lifestyle profile now, even if you’re not retiring for 20, 30 or even 40 years, it will remain up to date. If there are changes in legislation, or something happens in the markets that affects our strategic lifestyle profiles, we’ll make changes so they continue to meet your needs.

How they work - two main stages

1. Growth stage – usually when you’re more than 10 years from retirement.

Your money will be invested in funds that aim to increase the value of your pension over time.

2. Approaching retirement stage – usually when you’re less than 10 years from retirement

Your money will be gradually moved into funds designed to get your investments ready for how you plan to take your pension savings – whether that’s guaranteed income (annuity), taking all your money as a lump sum, keeping it invested and taking it out as and when you want or a combination.

This all happens automatically – you don’t need to do anything.

Here’s an example of how the funds you’ll be invested in will change as you get closer to retirement:

Lifestyling glide path

Remember that all funds can go down as well as up in value and your investment could be worth less than what was paid in.

Designed for your plans

Different people have different plans for their pension savings. Our strategic lifestyle profiles are designed to reflect these.


I want:Our solution:
Flexibility for how I plan to take my retirement income Universal strategic lifestyle profiles
To take my full tax-free lump sum and buy an annuity with the rest Annuity strategic lifestyle profiles
To take all my money as a lump sum or a series of lump sums Lump Sum strategic lifestyle profiles
To take my flexible retirement income (drawdown) through the Standard Life Active Retirement investment option Active Retirement strategic lifestyle profiles


As well as being able to tailor them to your retirement plans, you can choose from different investment styles and a range of risk levels.

We also have another strategic lifestyle profile available on selected group products - the Passive Core Universal Strategic Lifestyle Profile.

We also have some different strategic lifestyle profiles for stakeholder pensions. Find out more here.

How do I invest in a strategic lifestyle profile?

Information about traditional investment options

If you already have a Standard Life pension, your money may be invested in one of our traditional managed funds or lifestyle profiles. Find out more about what these invest in and how they work:

Standard Life Managed Pension Fund (PDF, 65KB)

Standard Life Multi Asset Managed (20-60% Shares) Pension Fund (PDF, 67KB)

Managed Annuity Lifestyle Profile guide (PDF, 209KB)

Traditional Universal lifestyle profiles guide, including Balanced Managed Lifestyle Profiles (PDF, 236KB)

Traditional MyFolio Universal lifestyle profiles guide (PDF, 126KB)

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