We offer a range of default strategies to suit a wide range of schemes, alongside flexible investment options. This allows members to create their own investment strategies to carry them through their working career and into retirement – all backed by robust fund governance. 

Our default funds

We have long experience of working with customers, regulators and advisers to create default strategies that meet the varied needs of pension scheme members. So, you have the comfort of knowing that members who don’t choose their own investments are well taken care of. 

We’re responsible investors

In 2019, we committed to net zero carbon emissions across our default range by 2050 and to halving emissions by 2030. To date, within our default funds, we’ve moved over £15 billion* in assets into funds that integrate environmental, social and governance (ESG) criteria.

Managing ESG risks is crucial to producing better outcomes for our workplace scheme members, and our research shows that many care passionately about how their pension contributions are invested. Find out more about what we’re doing to help you future-proof your scheme.

* As at end 1 September 2022

There’s no guarantee the funds will meet their objectives. The value of investments and any income taken, 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.

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Future-proof your scheme

Resources to help you navigate regulatory change and engage scheme members