The value of investments can go down as well as up, and your members could get back less than they paid in. Laws and tax rules may change in the future. Your members' circumstances and where they live in the UK will also have an impact on tax treatment.

Investments - at the heart of every pension plan

Our approach to investment is built on our beliefs.

Here, we’ll introduce you to the range of investment options you have, signpost more details and information for you, explain how we can help you choose, and explain what we mean by investing responsibly.

Responsible investment

Responsible investing at Standard Life is first and foremost about helping members aim for a good retirement.

We're prioritising good financial outcomes while also considering other factors we know members want and expect us to take care of for them.

Discover more about our approach to responsible investing.

As part of Phoenix Group, we’re on a journey to becoming net zero by 2050. Find out how we’ll continue to support a better financial future for our customers, while considering our investment in carbon emitting sectors in our Net Zero Transition Plan. Standard Life is part of Phoenix Group and the data shown is for the combined Phoenix Group.

Stewardship

Stewardship means using our power as investors to encourage companies to improve.

It's about talking to the companies we invest in (on your members' behalf) to manage risk and deliver value, as well as driving positive change.

Find out more about stewardship

Off-the-shelf investments

Our "off-the-shelf" selection offers a range of ready-made and self-select options to suit members’ differing appetites and capabilities for pension investment.

This includes our flagship Sustainable Multi Asset Universal Strategic Lifestyle Profile default solution which (if selected as the default) all members will be automatically invested in when they join.

Discover our Off the Shelf options

Customised investments

Some bigger pension schemes may have specialist investments requirements to suit their specific business sector or membership needs.

For these situations, we can work with you to set up an extensive range of customisable combinations and make these available to your members.

Find out more about customising investments

What next?

  • I want to leave my pension investment decisions to the experts

    All about our off-the-shelf default investment solution and lifestyle profiles

  • Find out how members feel about responsible investing

    Our ongoing research into members' needs and preferences

  • I'm looking for a new pension product

    Discover our different workplace pension solutions and how they could help your members