When you and your employer pay contributions into your workplace pension, we invest them on your behalf for your future.
We want you to get the best possible return for your hard-earned pension savings – so we have a well-researched ‘pension saving journey’ designed to give you good value for money and positive long-term outcomes.
- to help them grow over time
- to protect their value as you get closer to retirement, and
- in ways that benefit the environment and our society.
We don’t ask you to make any investment decisions. Instead, the now:pensions Trustee takes responsibility for our investment strategy in consultation with its advisers. We believe this gives you the reassurance of knowing that your investments are being managed by professionals who have your long-term savings needs in mind. You can find out more about our investment strategy and how we protect your savings.
These are our investment funds. You also can see the latest fund prices.
Our Diversified Growth Fund
During most of your working life, we invest your pension savings in our Diversified Growth Fund. This fund is designed to provide stable growth, above the rate of inflation, without too many ups and downs in value over the long term.
Our Retirement Countdown Fund
Starting 10 years before your target retirement age – the age you’ve told us you want to retire at – we gradually switch your pension savings to the Retirement Countdown Fund. This fund aims to protect the value of your pension savings, reducing the risk of them falling in value when you’re due to turn them into retirement benefits.
Unless you tell us otherwise, we assume your planned retirement date is your State Pension age. Please keep us updated if your plans change. Remember, you can change your target retirement date in your online member account.
If you want to know more about our investment policy, please see our Member Booklet or our Statement of Investment Principles.