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Investing your retirement savings

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

Diagram explaining investments

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.

Remember that investment returns are never guaranteed, so you could get back less than you put in.

Think about how involved you want to be

You can stick with the investment your employer has chosen. Or if you want more control, you can choose your own investments. Additional charges may apply if you choose your own investments.

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.

Our investment options are reviewed by experts

This helps make sure they meet their objectives. So you can rest assured your retirement savings are being looked after. 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.

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.

If you need help deciding on a suitable investment option, you should speak to a financial adviser.

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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