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Investing your contributions

We’ll invest your savings according to the set-up of your plan, but you can choose to change this at any time.

Deciding where to invest

Your contributions are automatically invested for you in the plan’s default option, though this will depend on your plan. If you wish, you can change this and choose your own investment strategy by self-selecting investment funds from the range available.

The value of investments and the income from them can go down as well as up so you may get back less than you invest.

This default option aims to make planning for your retirement as easy as possible by allowing members to rely on an investment strategy that has already been set out for them. The default strategy aims to sustainably grow your savings over time, while looking to reduce the impact of any market downturns. It follows an automated investment approach, which invests your savings into a range of funds over your working life. This option may be suitable for you if you’re not comfortable making your own investment decisions or selecting your own funds. Please note, depending on your plan’s design there may not be a designate default investment option, in which case you will be responsible for selecting your own investments.  Please refer to your plan specific literature.

Please note, depending on your plan’s design there may not be a designated default investment option, in which case you will be responsible for selecting your own investments. Please refer to your plan-specific literature.

Log in to PlanViewer to find out more about your investment options.

You can take a more ‘hands-on’ approach to investing by self-selecting. This option allows you to select from a range of funds made available by the Trustee. Remember, if you decide you want to self-select you will be responsible for allocating your investments and you should regularly review your plan to make sure it remains suitable.

A simple guide to good investing

If you’ve chosen to self-select your funds, you may want to learn a little more about some of the basic principles of good investing, and how to create and manage your own portfolio.

Investing basics

Find out more about investing in assets, diversification and risk.

Your investment options

Find out more about different strategies and ways to invest in funds.