Multi-asset funds
Choose how much of your pension is invested in equities, based on the balance of growth and risk that suits you.
Your pension pot value can go up or down, but staying invested can help it grow
Choose your balance of growth and risk
Our Multi-asset funds give you more control over how your pension is invested. You choose how much is invested in equities based on your preferred balance of growth and risk.
Equities are investments in companies, also known as stocks and shares. They offer potential for long-term growth, but their value can rise and fall.
- 80%+ equity
Our highest equity option. More of your pension is invested for potential long-term growth, with greater changes in value along the way.
- 60-80% equity
A high-equity option with slightly less exposure to equities than our 80% fund.
- 40-60% equity
A more balanced mix of equities and other investments, with less exposure to market ups and downs.
- 20-40% equity
Our lowest equity option, with more of your pension invested with stability in mind.
Diversified, balanced, low cost
Whichever option you choose, your pension benefits from:
Broad diversification
Your pension is spread across different investments, industries and markets to reduce reliance on any one area.
Managed risk
BlackRock adjusts the mix of investments in response to changing market conditions.
One simple all-in fee
You’ll pay an annual fee of 0.75% on savings under £100,000, and 0.4% on anything over £100,000.
In collaboration with BlackRock
We work with BlackRock, one of the world’s largest investment managers, on our Multi-asset funds.
The funds invest across a wide range of assets using BlackRock’s MyMap range. This spreads your pension across different types of investments, markets and industries.
BlackRock adjusts the mix of investments over time to manage risk while keeping each fund within its intended equity range.
Multi-asset or Lifetime?
Multi-asset funds give you more control over the balance of growth and risk in your pension. You choose an equity level and your pension stays within that range.
With a Lifetime plan, your investment approach changes automatically as you move towards retirement.
