The value of investments can go down as well as up, and members could get back less than they paid in. Laws and tax rules may change in the future. Members' circumstances and where they live in the UK will also have an impact on tax treatment.

Investments at the heart of every pension plan

Our approach to investment is built on our beliefs.

  • Outcome focused

    We believe insight-driven solutions can drive good outcomes

  • Future proofing as standard

    We believe in future proofing as standard to support an ever changing market place and evolving customer needs

  • Responsible investment

    We believe responsible investing can lead to better long-term financial outcomes and may help to support a sustainable future

  • Robust governance

    We believe robust governance can provide comfort and drive continuous improvement

  • Investment independence

    We believe in investment independence, which enables us to select from a range of managers and strategies

Here, we’ll introduce you to the range of investment options you have, signpost more details and information for you, explain how we can help you choose, and explain what we mean by investing responsibly.

Explore investment options

  • Off-the-shelf investments

    Our "off-the-shelf" selection offers a range of ready-made and self-select options to suit members’ differing appetites and capabilities for pension investment.

    This includes our flagship Sustainable Multi Asset Universal Strategic Lifestyle Profile default solution which (if selected as the default) all members will be automatically invested in when they join.

  • Customised investments

    Some bigger pension schemes may have specialist investments requirements to suit their specific business sector or membership needs.

    For these situations, we can work with you to set up an extensive range of customisable combinations and make these available to members.

Responsible investment

Responsible investing at Standard Life is first and foremost about helping members aim for a good retirement.

We're prioritising good financial outcomes while also considering other factors we know members want and expect us to take care of for them.

As a business we’re on a journey to net zero by 2050 and we have started taking actions to achieve this. While we currently invest in high emitting companies and sectors, we have developed a climate action plan to transition to net zero across our business. We believe we can help our customers reduce their exposure to climate related risk and help them take advantage of the opportunities presented by the net zero transition. Full details can be found in our Net Zero Transition Plan. It’s important to note that the data shown is for all the Standard Life brands combined.

Stewardship

Stewardship means using our power as investors to encourage companies to improve.

It's about talking to the companies we invest in (on your members' behalf) to manage risk and deliver value, as well as driving positive change.

What next?