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Options beyond the default fund

We've designed our workplace proposition to make it easier for your members to engage with their investment choices.

Options beyond the Aegon Retirement Choices default

Through an Aegon Retirement Choices pension scheme, your members have access to over 5,000 investment options (as at 31 December 2023) if they wish to build their own retirement portfolio. We recognise that relatively few members choose to do this, so we've designed our workplace proposition in a tiered approach, to make it easier for your members to engage with their investment choices.

 

We explain how the default fund works and the purpose of a 'lifestyle' fund in simple terms, so that members can decide if it's right for them.

If your members want to choose their own investments, but don’t necessarily want to build a portfolio from scratch, we offer a range of ready-made solutions that they can select based on their attitude to risk.

Find out about our range of six Risk-Managed Portfolios, offering simple, cost-effective solutions designed to suit cautious through to adventurous investors.  

More confident members or those with a financial adviser can choose from over 5,000 investment options (as at December 2023), including a number of funds that consider environmental, social or governance (ESG) factors.  

  • Insured funds, including lifestyle funds
  • Collectives (other pooled funds like Open Ended Investment Companies (OEICs) and unit trusts)
  • Equities (direct investment in company shares)
  • Investment trusts1
  • Exchange-traded funds (ETFs)1

1Members must have an adviser to access these investments.

Explore our fund range 

Member education and support

To help your members make informed investment choices, we have a range of support and education, with tips on what to think about when they’re choosing investments. They can also access our short videos, designed to help them engage with their investments.

Visit our customer investments section

Support into retirement

We contact all members in the run-up to retirement to remind them to review their investments to make sure they’re still suitable and match their retirement goals. 

We also send out letters to remind those in the scheme default fund about the automatic changes their fund goes through, in the lead up to, and just before retirement. We ask them to check that they’re still on track for the retirement they want, and we have a dedicated Lifestyle investments hub where they can find out more about their options. 

To find out more about our funds for workplace investors, please get in touch or speak to your usual Aegon contact. 

The value of an investment 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.