Investment options
We invest member savings to target long-term growth. Discover the investment profiles and pension funds available.
Keep things simple or choose for yourself
When members join the scheme, we place their savings in the ‘balanced’ investment profile unless they choose another option. This profile gradually moves savings from higher to lower‑risk funds as retirement approaches – ideal for anyone who prefers not to manage their investments themselves.
Alternatively, members can choose from two other investment profiles or self-select from eight funds.
Three investment profiles – designed and managed for members
Our investment profiles aim to keep investing simple by automatically reducing risk as retirement approaches. Each profile targets a different level of risk and potential return to suit different needs and goals.
‘Balanced’ profile
Targets long-term investment growth while balancing risk. As members get closer to retirement, it gradually moves savings into less risky investments to help protect their value.
Initially invests in the Global Investments (up to 85% shares) Fund.
About the profile at a glance
- Targets long-term growth
- Moves to the lower-risk Pre-retirement fund as retirement approaches
Please note: If members don’t feel confident choosing their own investments and would rather leave it to us – we’ll automatically invest their money in our ‘balanced’ investment profile.
‘Cautious’ profile
Targets the protection of savings by investing mainly in lower‑risk assets, while still offering some long‑term growth potential.
Initially invests in the Global Investments (up to 60% shares) Fund.
About the profile at a glance
- Targets moderate long-term growth
- Moves to the lower-risk Pre-retirement fund as retirement approaches
‘Adventurous’ profile
Targets long-term growth by investing solely in higher-risk assets. While its higher-risk nature means the value of savings can rise and fall sharply, especially in the short term, it offers greater growth potential over the long run.
Initially invests in the Global Investments (up to 100% shares) Fund.
About the profile at a glance
- Targets maximising long-term growth
- Moves to the lower-risk Pre-retirement fund as retirement approaches
How our profiles automatically adjust as retirement approaches
All three of our investment profiles begin to gradually shift savings from higher to lower-risk investments starting 15 years before a member’s selected retirement date.
This is all done automatically – so members don’t have to do anything – and is intended to protect the value of savings as retirement gets closer
Self-select fund choices
Members can 'self-select' where their money is invested if they feel confident making their own investment decisions.
Eight funds to choose from
Our funds are designed to support different retirement outcomes, based on varying attitudes to risk and reward. Members can choose a single fund or combine several to tailor an investment approach that suits their needs.* Our funds don't automatically move into lower-risk investments as retirement approaches, like our profiles, so members will need to manage them themselves.
*Members can choose the percentage to invest in each fund, except for the Shariah Fund, which requires 100% of savings if selected.
It’s important to review self-select fund choices regularly, along with the level of investment risk they carry, particularly as retirement draws nearer.
Considering which investment option may be the right fit?
Important things to consider
- Higher returns usually come with higher risk. Taking on more risk means savings are likely to rise and fall in value over short periods – this is known as volatility.
- Just because an investment did well before doesn’t mean it will in future. The past performance of investments doesn’t guarantee or act as a guide to future performance.
- If members choose their own funds, they won’t shift to lower-risk assets as retirement approaches – they’ll need to review them regularly themselves.
Still not sure where to invest?
If no investment choice is made, savings are automatically invested in the ‘balanced’ investment profile. Members can leave their savings there for the long term or switch to different investments at any time.
