A pension is a long-term investment. Its value can go down as well as up and could be worth less than was paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK will also have an impact on tax treatment.

Personal Pension funds to suit you

With a Standard Life Active Money Personal Pension there are two options when it comes to investing your money.

You can choose our Easy option where your money is invested in to one of our MyFolio Managed Strategic Lifestyle Profiles. Experts will then do the rest. This could be a good choice if you don’t have the time to look after your own investments, if you’re new to choosing and managing funds, or both.

Or, you can choose the DIY investment option. With this option you can choose from the full range of hundreds of funds from many of the leading fund managers in the market. This could be the option for you if you're an experienced investor.

It’s important to know that it's easy to change your investments in the future if you want to. If you select our Easy option you can still choose funds from the DIY range if you want to. Or if you go for the DIY option you can change to the Easy option at any time, free of charge.

Easy option

With the MyFolio Managed Strategic Lifestyle Profiles, you simply choose which profile is right for you based on how much investment risk you’re happy to take. The experts will then aim to produce the best possible returns for you for that level of risk. If you aren’t comfortable taking even a low level of risk with your money then these funds aren’t right for you.

You can check your attitude to risk using our quick questionnaire.

Easy option fund performance

You can find out about the MyFolio Managed funds and their performance by using our tool. Just select how much or little risk you’re happy taking:

Choose how much or how little risk you're happy to take:

Slider Bar

Lower risk

Medium risk

Higher risk




How the funds you invest in through the profile will change as you get closer to retirement

KEY Profile III

The funds you invest in through the profile will change as you get closer to retirement. You don't have to do anything - your money will be moved automatically.


1. Growth phase

During the growth phase, your money will be invested in one of the MyFolio Managed Funds.

Let’s look at performance








If you had invested £1,000 in June 2016 this would now be worth ....

Year on year Performance

Source: Financial Express (FE) 31/12/2021
The figures shown refer to past performance. Past performance is not a reliable guide to future performance. The value of your investments can go down as well as up and you could get back less than was paid in.
The figures are calculated using the fund price which is the price you receive when you're buying or selling units in a fund, and assumes that any income the fund generates is reinvested. It also takes into account the charges which apply to the fund.
There may be a small difference between the figures here and those in the fund factsheet, this will be due to the rounding process used by the different sources of information.

Where is the money in your pension invested?

The experts who manage the MyFolio Managed Funds have the option to invest across the globe, and in different types of investments to try and get the best possible returns to suit your chosen risk level.

Regional split for Standard Life Pension Fund

  • 30% UK
  • 30% Europe (ex UK)
  • 30% North America
  • 30% Emerging Markets
  • 30% Japan
  • 30% Asia Pacific
    (ex Japan)
  • 30% Money Market
  • 30% Specialist and other (including absolute return)

This map is a broad graphical representation of regional exposures and doesn't represent the detail of the holdings of the fund.

Asset class split for Standard Life Pension Fund

An asset class is a category of investments, such as equities or bonds. Normally assets in the same class have similar characteristics. But they can have very different returns and risks.


Part ownership in a company - often known as stocks or shares.

Essentially loans to a government or company. Often for a set time period and usually pay regular interest. Bonds can be issued by governments or companies.

Includes direct investment in buildings and land. Also indirect investments like shares in property companies.

Money market instruments (including cash)
Includes deposits with banks, governments and large corporations, as well as investments that are generally riskier than cash. Money market instruments can fall in value.

Specialist and other (including absolute return)
Other investments that don’t fit into one of the other asset class categories. Includes direct and indirect investments in real assets like commodities, for example oil and precious metals. Also includes investments with specialist characteristics, such as absolute return investments.

How the Standard Life Pension Fund has performed and where it invests.How the Standard Life Pension Fund has performed and where it invests.

 Standard Life MyFolio Managed III Pension Fund

Data provided by FE.
Care has been taken to ensure that the information is correct, but it neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omission or any inconsistencies herein.

Regional and asset class splits

  • Regional splits
    Source: Standard Life Investments. These figures are based on information as at 31/12/2021.
  • Asset class splits
    Source: Standard Life Investments. These figures are based on information as at 31/12/2021.

Remember, as with any investment, the value of your fund can go down as well as up, and may be worth less than you paid in.

2. Approaching retirement phase