Workplace pension investments
Explore how we invest member savings and the investment choices we offer.
Helping members invest for their future
New members are automatically placed in our 'balanced' investment profile unless they choose their own investments.
The 'balanced' profile – built to suit the majority of savers – initially targets long‑term growth and, as retirement approaches, gradually shifts from higher to lower‑risk funds to help protect savings. It is intended to keep things simple for members and employers. Members who prefer to make their own investment choices can also pick from our range of funds and profiles.
How we invest member savings
Our funds invest in a diverse mix of global assets like shares, bonds, and property to help spread and reduce the risk of having too many ‘eggs in one basket’.
Responsible investments
Our main goal when investing savings is to generate long-term investment growth – while doing so responsibly. For us, this means:
- Considering environmental, social, and governance (ESG) factors in our investments, ie, how companies we invest in affect the environment, treat people, and are run.
- Targeting long-term returns while managing risks linked to sustainability.
- Investing in companies that actively manage sustainability risks within their business operations to drive positive change.
Workplace pension investment options
Alongside the 'balanced' profile, members can choose one of two alternative profiles - ‘cautious’ or ‘adventurous’ - or pick one or a combination of our eight pension funds through their account or app.
Investment insights for members, employers, and advisers
Get clear, up‑to‑date information on our funds, charges and performance. See how transaction costs work, check unit prices and choose investment options that fit your goals.
Collaborating with other investors
Managing over £40bn in member savings gives us the power to drive positive change. To amplify our impact, we've teamed up with like-minded asset owners to create the Asset Owner Statement on Climate Stewardship.
This statement sets clear expectations for our asset managers – specialists who help us invest member savings – on how they steward the companies we invest in, ie, how they use their influence (meeting with company leaders and voting at shareholder meetings) to encourage good practice and safeguard long‑term value.
