How your savings are invested

For members with a DC pension, how much you get at retirement depends on how much is paid into your account and how that’s invested over time.

When it comes to investing, you can pick funds to invest in yourself or you can follow one of three automated “SmartPath” strategies which will initially invest in higher risk, higher potential growth funds while you are more than eight years from retirement. The three strategies are designed to support how you might want to take your pension when it’s time to retire.