The value of investments can go down as well as up and you could get back less than was paid in.

Noticed the markets moving?

Politics and other factors are dominating the headlines and causing fluctuations in investment markets. It’s natural to wonder how this may impact the value of pension plans and other investments. But reacting in the short term could worsen any losses. This article can help you consider what’s important and what you can control.

Investment built on beliefs

Your retirement outcomes are at the heart of everything we do. Watch our video to find out how our core beliefs in our investment approach aim to help you save for the future, for the outcomes you need, to and through retirement.


As part of Phoenix Group, we’re on a journey to becoming net zero by 2050. Find out how we’ll continue to support a better financial future for our customers, while considering our investment in carbon emitting sectors in our Net Zero Transition Plan. Standard Life is part of Phoenix Group and the data shown is for the combined Phoenix Group.

Why invest?

Investing gives your money the chance to grow. While investing can seem like a big decision, it can bring a number of benefits over simply saving your money. How much you get back depends on three main things: how much you pay in, how the different types of investments you choose perform (taking away any charges you'll pay) and how long you're invested for.

You can learn a bit more about investing and why it could be a good idea for you by reading our investing basics guide.

  • 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

Investment guides

When it comes to investing, it's really important that you think about what's right for you. Our investment guides give you things to think about before you start investing or they can be a refresher if you're reviewing your investments:

  • Responsible investing

    How environmental, social and governance (ESG) considerations are incorporated into your investment choices

  • DIY or delegate?

    Get a team of investment managers to do it for you or research, construct and manage your own investment portfolio.

  • Where to invest

    Not sure where to invest your money? Our guide gives you an overview of your options to help you decide what’s best for you.

Explore our guides

Investing with Standard Life

The right investment choice for you might be different to the right investment choice for someone else. That’s why we have different options to suit you no matter how much or little support you want.

Explore our investment options.

Once you’ve made your investment choices, it’s important that you continue to review them regularly. Why? Well, you want to make sure your investments stay on track to meet your goals and circumstances. You can take a look at where you’re invested and review your investment options by logging in   .

Investment tools

With our investment tools, you can explore fund options and check how much risk you're comfortable taking with your investments.

  • Check specific funds

    Use our fund filter to find out more about available funds and download factsheets.

  • Assess your attitude to risk

    Our tool can help you decide what level of investment risk you’re comfortable with.