Fund information

Flexible Pension Plan

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A wide choice is critical for you to achieve your investment goals. Not only does our Flexible Pension Plan have a comprehensive range of insured funds to choose from, it has the added benefit of a self-invested option.

The self-invested option gives you greater choice, flexibility and control in creating your own pension portfolio. As with all investments, the value of the fund you have invested in can go down as well as up. If you choose to self-invest, the additional charges would depend on the investments you choose and the size of the investment.

Our Fund Supermarket offers a wide choice of collective investments from market-leading fund managers at specially negotiated prices.

Our discretionary fund manager (DFM) service lets you access a professional investment service and could be of benefit if you want a bespoke investment strategy. There is an additional charge for this service. Your financial adviser can give you more details on this.

But it doesn’t stop there – you can also invest direct in the stock market or ‘alternative’ investments such as commercial property and many other allowable investments. Investing in property, along with other asset classes, can help you build a balanced portfolio. However, property investments, like any other asset class, can go down in value as well as up. Remember that property and land can be difficult to sell. Therefore, funds from your plan - whether on death, transfer or retirement - may not be immediately available because of the time it takes to sell/cash in the assets.

Different funds have different levels of risk and costs associated with them. All funds carry the risk of falling in value – some more than others and you may get back less than you originally invested. If you're unsure if a fund is suitable for you, please speak to your financial adviser.