Generally speaking, higher risk funds tend to have better investment returns, but are more volatile, whereas lower risk funds will have lower investment returns but are less volatile.
Everyone’s attitude to risk is different, and you should consider how much risk you want to take before choosing your funds; you should never base your choices on what someone else is doing. As a general rule, most investors balance this by investing in high-risk funds earlier in their career while there is time to make up any losses and move to safer funds as they approach retirement. You should review your funds regularly to make sure they continue to match your retirement plans.
You can find out more about investing by reading the Plan's investment booklet, which you can download by clicking here.
If you would like to find out more about your personal pension plan, you can do so by logging into your account here.
Fund information
You can download and read the fund factsheets by clicking here.
The fund factsheets will give you information about the performance of the funds in the past to help you decide where to invest. Please note that a fund’s past performance is no indication of its future performance. If you want to change the funds you’re invested in, you need to let us know. You can find our contact details by clicking here.
You should bear in mind that no investment is guaranteed, and values can go down as well as up. We recommend that you speak to an Independent Financial Advisor before changing your investments; you can find more about choosing one at www.moneyhelper.org.uk/en/pensions-and-retirement/taking-your-pension/find-a-retirement-adviser.