The value of investments can go down as well as up, and your members could get back less than they paid in. Laws and tax rules may change in the future. Your 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.

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 highlight why sustainability is one of our core investment beliefs.

Responsible investment

From climate change to human rights, awareness of environmental, social and governance (ESG) issues is growing. And following COP26 in Glasgow, a renewed global commitment to addressing climate change has emerged.

One way of helping to combat climate change and social inequality is through careful, effective, investments. And the sheer scale, impact and reach of collective investment power means that there is now a significant range of options available for pension scheme members who expect that their pension plans will be invested in a way that’s more responsible.

Our approach to responsible investment

Stewardship and governance

Standard Life has appointed a Head of Stewardship to set our direction and strategy over our journey to net-zero in 2050 and to make sure our sustainability and responsibility goals are monitored and accounted for.

Find out more about stewardship

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.

Discover our Off the Shelf options

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 your members

Find out more about customising investments

What next?

  • I want to leave my pension investment decisions to the experts

    All about our off-the-shelf default investment solution and lifestyle profiles

    More about off-the-shelf

  • Tell me more about Standard Life, Phoenix, and sustainability

    How we're aiming at net-zero carbon emissions by 2050

    Our net-zero commitment

  • I'm looking for a new pension product

    Discover our different workplace pension solutions and how they could help your members

    Go to our Workplace Pension Hub