Whether you're saving for life in retirement or want to save money for long-term goals, our guides, products and tools can help you save efficiently for the future. From Stocks & Shares Individual Savings Account (ISA) to personal pensions there's a range of options for your needs.
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Pensions are a tax-efficient way to save for retirement. We can help you get a pension plan, prepare for retirement, and understand the ways you can take your pension money when you come to retire.
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We believe good financial advice can make a difference when it comes to achieving your goals. In this section you can find out what you could gain from taking financial advice, when you might need it and how to find the right adviser for you
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Our helpful articles are full of tips and information to help you make the most of your money. Whether you're starting to save for life's big moments or you're getting close to retirement, there's something for everyone.
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Whether you're an existing customer or new to Standard Life, we're here to help you. We have information to help you contact us, get the most out of our website and find the information you need.
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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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These options are specifically designed for employees in workplace pensions who want a low level of involvement in their investments. Whether you’re new to Standard Life or already have a workplace pension, we can help you understand them.
These bring together a mix of investments in one solution, and can be managed for you right up to retirement – so they're a quick and simple way of investing.
All you have to do is decide how much risk you’re comfortable taking and select the appropriate one, from risk levels 1 (lower risk) to 5 (higher risk). If your retirement goals and circumstances change, you can always move between options to take more or less risk to suit your needs or move to a different investment option.
The investment specialists who manage the funds will decide what they should be invested in and when, and make sure they don’t take any more or less risk than you said you were comfortable with. They’ll also aim to deliver the best possible returns for the level of risk you’ve chosen.
You can choose individual Active Plus or Passive Plus funds. Or, if you want an option that gets your pension savings ready for how you plan to take them, you might want to consider a lifestyle profile.
Lifestyle profiles aim to grow the value of your pension savings, as well as getting them ready for how you plan to take them - whether that’s setting up a guaranteed income for life (an annuity), taking a lump sum, taking a flexible income (drawdown), or a combination of these. They do this by moving your money into a different mix of investments as you get closer to your retirement date.
We recommend that you regularly review your investments to make sure they remain appropriate for you and that they’re on track to meet your goals.
It’s easy to work out which option could best suit your goals and how you feel about risk.
You choose the risk level most appropriate for you:
If you’re not sure which risk level is right for you, our risk questionnaire might help. And remember, you can move to another risk level or investment option at any time if your goals or attitude to risk change.
The investment specialists managing the funds will then manage the option you've chosen.
The team managing funds in the Active Plus and Passive Plus options use different types of investments from across the globe.
For the Active Plus options, they do this through a range of actively managed Standard Life funds. The Active Plus range also invests a portion in passive funds. For the Passive Plus options, they do this through a range of passive (also known as index-tracking) funds from Vanguard Asset Management.
This is a simple option that’s only available as a lifestyle profile – the Passive Core Universal Strategic Lifestyle Profile.
The investment specialists managing the funds in this profile will invest in different types of investments from across the globe. This is through a range of passive funds from Vanguard Asset Management, Aberdeen Standard Investments and BlackRock.
As you get closer to your retirement date, your pension savings will be gradually moved into funds designed for if you want to take a flexible income (drawdown) or to give you the flexibility to take your money as you want.
Most of the funds used in the Active Plus range are actively managed by Aberdeen Standard Investments. They integrate environmental, social and governance (ESG) into their investment management processes. They have the information and flexibility to take account of ESG analysis and factors when they select investments for their portfolios.
The Passive Plus and Passive Core ranges invest predominantly in passive funds. This means the investment managers don't actively integrate ESG into their investment processes. However, as a steward of an investment they can influence positive change using engagement and voting rights.
Visit your workplace pension website or view your plan documents for more information about where you're invested and what options are available. You can also review your investment options online.
Using our investment tools you can check how much investment risk you’re willing to take and explore our full range of funds.
If you want a wider choice of investment options to choose from, take a look at our full range of funds.
It’s really important to understand how much investment risk you’re willing to take. Our tool can help you there.
We can help you learn more about your different investment options and tell you everything you need to know about investing for your future.