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Investing your retirement savings

Your retirement savings are safely locked away until age 55 and invested to help them grow. Here are a few things to consider when deciding where to invest your savings.

Think about how much risk you're willing to take

Higher risk investments can help your money grow more. But there's also a greater chance of losing money. With lower risk investments, your money may not grow as much as you want it to.

Of course, investment returns are never guaranteed. So while your savings could grow, their value can also go down. This means you could get back less than what you put into your plan.

Think about how involved you want to be

You can stick with the plan default investment your employer has chosen, referred to below. If you want more control, you can choose your own investments. Some investments carry an extra charge. So if you decide to choose your own investments or need help deciding, it’s a good idea to speak to a financial adviser.

1. Stay with the plan default investment choice

Your retirement savings will be invested here unless you decide otherwise.

You'll find more information in our investment factsheets.

2. Choose from our Governed Range

This consists of Lifestyle Strategies and Governed Portfolios.

  • They're made up of a mix of different investments.
  • They take into account the time until you retire.
  • And they suit different attitudes to risk.

3. Choose from our fund range

You can access Royal London funds, managed by the Royal London Asset Management team, as well as funds managed by some of the world's leading investment companies.

Royal London's investment options are reviewed by experts

Our investment experts regularly review all our investment options to make sure they’re meeting their overall objectives. If they aren’t, they’ll make a change. This ongoing governance comes at no extra cost to you.

You should also regularly review your investment choice to make sure it's still suitable for you.

Keep up to date

Listen to the latest market update from our investment experts.

This podcast is for information purposes only, it’s not intended to be financial advice. If you need help making any decisions about your plan, you should speak to a financial adviser.

If you don’t already have a financial adviser, you can find one in your area by visiting unbiased.co.uk
Advisers may charge for their services – though they should agree any fees with you upfront.

Find out more

You can get an idea of your attitude to risk by using our risk profiler.

You can find out more about your investment options in our Pension investment options guide.

Some investment options carry an extra charge. So if you decide to choose your own investments, or need help deciding on a suitable option, it's a good idea to speak to a financial adviser. You may be charged for this service.

Changing your investments

You can change your investments by completing a change of investment form or by logging in. You should speak to a financial adviser before you change your investments.

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