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Deciding where to invest

When it comes to investing your savings for retirement, you have the option to take control and choose your investment strategy.

If you’ve decided to choose self-select, rather than relying on the default option, you may want to think about the sort of strategy you will follow.

This will depend on how long there is until you are planning to use your pension savings and how comfortable you are in taking some risk with your savings as a way of increasing their growth potential.

What investments do you currently hold?

You can check what investments you have access to in your workplace pension by logging into PlanViewer. Go to ‘Funds’ and select ‘Fund information’ for a list of the funds in your account.

If you click on a fund name, you’ll be taken to its factsheet, where you can see its objective, performance history and risk rating, along with the top ten investments it holds.

An overview of investment strategies

Having a basic investment strategy can be a good foundation for choosing funds for your pension savings. It can help you focus on the types of funds you might want to choose. Remember, you don’t have to stick to the same strategy throughout your lifetime. In fact, it’s a good idea to regularly review your investments and goals and decide if it’s time to re-align your strategy.

A growth strategy
A balanced strategy
A conservative strategy

Important information

It is a good idea to review your pension investments on a regular basis to make sure that they are still right for your retirement goals.

None of the information above is a personal recommendation for any particular investment or course of action and it’s important to remember that the value of investments can go down as well as up, so you may get back less than you invest.

If you are unsure about whether your investments are suitable for your circumstances, or you need advice on any of the options available to you, we recommend that you speak to a regulated financial adviser.

Want to change your investments?

Log in to PlanViewer to make changes to the funds you’re invested in.