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Understanding investments and ways to save smarter
Manage your money with these tools and calculators
Save money for retirement and your long-term goals
Invest money flexibly with a range of investment options
Understanding pensions and planning for retirement
See if your pension savings are on track and more
Understand the different types and what you can do
Explore ways to take your savings at retirement
Get started with financial advice
Find out how you could benefit from working with a financial adviser
Speak to one of our specialist retirement advisers
Get professional advice from 1825, our financial planning business
Tips to help you start saving for big life moments and ways to keep on track with your goals
Find out how to make the most of your regular income with these helpful money guides
Learn more about retirement planning and how to take your life savings
Need to speak with us? Find the best way to contact us.
Find out how we can support a range of your needs
Learn more about our services and manage your account
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It's a ready-made investment option for people planning to take money from their pension plan within the next five years and also planning for their money to last for more than five years. It gives you a balance of lower risk investments which aim to provide some stability for the money you want to take first and medium risk investments to give the rest of your money the chance to keep growing.
To keep things simpler for you, we make the day-to-day investment decisions:
Your money is invested across three funds, which we refer to as pots. You tell us how you’d like to take your money and this determines the way it’s invested.
Here's how the pots work in more detail:
Investment specialists choose where to invest the money in each pot. They review the pots regularly to check they’re meeting their aims, and can make changes to the investments in the pots if they think it’s appropriate.
When you come to take your money, it will come from pot 1 first until it’s empty, then pot 2 and finally pot 3. This means your medium risk investments have a chance to grow while you take money from the lower risk pots.
When you first invest through Standard Life Active Retirement, your money is split across the three pots based on how you’ve told us you want to take it. It’s then up to you to regularly check how much money you have left in each pot, and split it across the three pots again if you want. You may want to think about doing this if you take a significant amount from your pension plan or if you change how much money you're taking on a regular basis.
How long your money lasts depends on how the funds you're invested in through Standard Life Active Retirement perform and how and when you take money from your plan. There are no guarantees so your money may not last as long as you want it to or it could run out altogether. It’s important that you regularly review your pension plan to make sure that you don’t run out of money too soon.
Download our guide to read more about how Standard Life Active Retirement works:
Standard Life Active Retirement (1.07MB)
You can also see how each of the three pots have been performing by reading our latest factsheets:
It might be right for you if:
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