We aim to help your members make informed investment choices that will support them throughout their working lives until they retire.
Scheme support
From the moment they join your scheme, members will have access to a range of investment support, starting with their welcome pack, which includes access to tools and educational resources.
Our goal is to help members engage with their investments to make informed choices.
Welcome pack
We provide welcome videos and presentations in a welcome pack, explaining how the scheme works and how members can access their online services. This includes a bespoke investment options brochure outlining their investment options in simple terms.
Find out more in our TargetPlan toolkit.
Investment education
We offer access to broader educational support, including short videos to engage members, such as our Investing - the basics video.
Support throughout their retirement journey
Members will receive letters explaining their investment options, with easy access to fund information, as well as an online investment risk questionnaire to help them choose appropriate investment funds.
Regular updates
Regular updates on fund or regulatory changes are always on our website for members, and we send letters or emails for those directly impacted.
Our quarterly webinars and podcasts keep employers and advisers up to date with market trends and regulations affecting investments.
Preparing members for retirement
With warm up and wake up communications, we remind members to review their investments regularly and provide specific emails and letters for anyone with LifePath or lifestyle funds.
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.
Investing: The basics
00:04
Whether you’re saving for retirement, a child’s education or a dream holiday, the funds you invest in can make a big difference to how your savings grow.
00:14
When choosing which funds to invest in, it’s important that you understand what you need the outcome to be, and find the funds that can help you achieve your goals. For example, you should think about:
00:26
What do you need from your investment?
00:28
How much do you need your funds to grow to meet your saving needs?
00:32
What’s your risk appetite?
00:34
All investments carry some degree of investment risk, and may fall as well as rise. Generally speaking, riskier funds have better long-term growth potential than less risky funds, but they’re also more likely to fall in value.
00:47
Less risky funds are less likely to fall in value, but the downside is that they tend to grow more slowly.
00:54
In all cases the value of your investments can fall as well as rise and you may get back less than you invest.
01:02
So, you’ll need to work out the balance between risk and growth potential that’s right for you. You could take some financial advice to help you with this.
01:09
Do I need to invest long term or short term to reach my goals?
01:14
If you’re investing for the long-term, say ten years or more, you may be more prepared to weather some market ups and downs in the hope of achieving greater long-term returns. But if you need to access some, or all, of your money in the near term – for example – if you’re taking an income from your retirement savings – you’re likely to be more concerned about short-term falls.
01:35
Once you know your investment needs, the next step is to find the funds that best match them. Investing in a mix of different funds will mean you aren’t relying on the success of one region or investment type alone.
01:48
Fund factsheets and Key Investor Information Documents are a great place to start to find out about each fund. They'll tell you everything from what type of fund it is, how it's managed, its past performance and how much risk it takes. You can read these on your customer dashboard by selecting the fund you're interested in.
02:08
Please remember that the value of investments can fall as well as rise and you could get back less than you invest. So, if you’re at all unsure about what to invest in or would like to talk it through, you should get some financial advice or guidance.