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Investment pathways

Investment pathways were introduced by the Financial Conduct Authority (FCA) to help improve retirement outcomes for customers who want to flexibly access their pension savings.

Our four investment pathways

Investment pathways are investments solutions designed to meet the needs of customers moving into drawdown.

We offer a choice of four investment pathways, based on what your employees intend to do with their pension savings five years before their chosen retirement age.

Each investment pathway invests in a mix of funds and asset classes and aims to meet different retirement needs, as shown below.

Option 1: I have no plans to touch my money in the next 5 years

Download Investment pathway 1 factsheet (PDF)  

Option 2: I plan to use my money to set up a guaranteed income (annuity) within the next 5 years

Download Investment pathway 2 factsheet (PDF)  

Option 3: I plan to start taking my money as a long-term income within the next 5 years

Download Investment pathway 3 factsheet (PDF)  Download Investment pathway 3 factsheet (PDF)

Option 4: I plan to take out all my money within the next 5 years

Download Investment pathway 4 factsheet (PDF)  Download Investment pathway 4 factsheet (PDF)

Service and support

Speak to an adviser

We strongly recommend that your employees speak to a financial adviser before choosing their own investments as selecting an unsuitable investment could significantly reduce the value of their pension savings.

Find a financial adviser

Risk profiler

Share this tool with your employees to help them decide how they feel about risk when choosing an investment.

Share risk profiler questionnaire Share risk profiler questionnaire

More investment information

Investment governance

Discover more about our independently led governance and oversight.

Find out more  Find out more

Fund information

Factsheets and monthly performance figures, plus more information about our fund ranges, including up-to-date data and historical fund changes.

More about our funds  More about our funds

Investment factsheets

Get all the key information you and your employees need about the funds in our range, including holdings, asset allocation, performance and prices. 

View factsheets and prices  View factsheets and prices