Our four investment pathways
Investment pathways were introduced to give people who are taking money from their pension savings simple, good-value investment options.
We offer a choice of four investment pathway options, covering the four most common ways that people generally choose to take money from their pension.
Your employees can choose the option which most closely matches their plans for their pension savings.
Why choose one of our investment pathways?
All our investment pathways are managed by experts and are regularly checked to make sure that they include the best mix of investments to continue to meet their aims.
Where necessary, our experts will adjust the mix of investments. Your employees don’t need to do anything - this is all included at no extra cost to them.
Remember that all investments can go down as well as up in value, and your employees could get back less than they paid in.
Frequently asked questions about investment pathways
Do my employees have to choose an investment pathway?
No, they can choose any other investment option from our range.
If my employees choose an investment pathway, what happens to their investments after five years?
Their investments will stay in the investment pathway, unless they choose to move to another investment option.
Do my employees have to stay in an investment pathway for five years?
No, they can make changes to their investments at any time.
What if my employees’ plans change?
They can move to another investment pathway or any of our other investment options at any time.
How do my employees know if an investment pathway is right for them?
If they’re unsure whether an investment pathway is right for them, we recommend they speak to a financial adviser. We designed our investment pathways to be a simple choice for our customers, but we can’t give individual advice.