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Options beyond the default - TargetPlan

TargetPlan offers a broad range of choices for members who want to choose their own investment funds.

The TargetPlan Self-Select range of over 190 funds (as at December 2023) offers members scope to build bespoke investment strategies that match their investment goals and attitude to risk, whether they're in their early career or approaching retirement

Offering a choice of active and passive funds, the self-select range includes single-asset building blocks covering the main asset classes - equities, bonds, property and cash, across world regions. The range also includes multi-asset funds, offering members a simple way to build a diversified portfolio in line with their risk appetite.

Responsible choices

Scheme members are increasingly aware of what a sustainable future means. Many worry about climate change, environmental destruction and social inequality and understand that their pensions can be used to drive positive change.

That's why in 2019, we committed to net-zero greenhouse gas emissions for our pension default fund range by 2050 and to a 50% reduction in emissions by 2030¹.

The TargetPlan self-select range offers many funds that take environmental, social and governance (ESG) factors into consideration, so members can choose where their money is invested and invest in line with their beliefs.

¹Measured using carbon footprint across our full range of default funds. Emissions targets don’t apply to individual funds. 2030 target applies to scope 1 and 2 emissions from listed equities and corporate fixed income only.

Find out more about our approach to responsible investing

Supporting scheme members’ investment choices

We’re committed to enabling scheme members to make suitable investment choices. From the moment they join a scheme, they’ll have access to a range of support and education to help them select alternative funds to the default if desired. Below are some examples of the support materials we provide.

  • Member joining pack ─ includes video summaries of their default fund and other investment options.
  • Bespoke Investment Options brochure ─ features the core fund range (if the employer chooses one) and help for managing investments online. 
  • Investment education ─ tips on things members could think about when choosing investments and educational videos.
  • Fund factsheets ─ details on what each fund invests in and its relative risk profile.
  • Investment risk questionnaire ─ a tool aiming to help members decide what kind of investor they are and understand their appetite for risk. 

See the full TargetPlan fund range by searching for TargetPlan in the fund information library

The value of investments can fall as well as rise and isn’t guaranteed. The final value of a member’s pension pot when they come to take benefits may be less than has been paid in.