Our investment solutions
We offer ready-made and fully-governed investment solutions for your workplace pension, along with a range of self-select funds for your employees who prefer to take a hands-on approach.
Our investment solutions…
- offer flexibility and choice
- help your employees prepare for the type of retirement outcome they want
- make it easy for employees to make investment choices
- offer expert investment management at value for money
- are regularly reviewed to ensure an effective mix of investments to achieve good outcomes for your employees.
Scottish Widows Lifetime Investment
Scottish Widows Lifetime Investment is our innovative, fully-governed and flexible pension default investment option. It’s designed to maximise growth potential to support sustainable income in retirement by investing in a range of assets via best-in-class managers with responsible investment fitted as standard.
It has a range of options designed to make it easy for employees to save for their retirement. These options offer different levels of risk and target different ways for employees to take their pension in later life, be it flexible access, guaranteed income or taking it all as cash.
When members are years away from their selected retirement age (SRA), we invest with the aim of giving them what we believe is the best chance of growth. As they get closer to their SRA, we’ll gradually move their pension savings into investments with less risk. This aims to help protect their pension’s value, known as pension ‘lifestyling’.
More information can be found in our Scottish Widows Lifetime Investment adviser and employer guide (PDF, 1MB) and our member guide (PDF, 1MB).
Bespoke option
Some of our products allow you to create your own default investment solution. This would require you or your adviser to assume the responsibility for the ongoing suitability of your chosen default option and the investment range offered.
Other options
Your employees can choose to stay in the default option selected by you, move into one of our alternative lifestyle options, or be more hands-on and choose from the range of self-select funds we make available. This range includes funds from well-established external fund managers to complement our internally-managed funds.
These ‘self-select’ funds have no lifestyling, so employees need to be comfortable about managing their own levels of risk through their retirement planning journey. We provide information for employees who want to move from a lifestylying option to self-select funds to help them decide whether it’s the right decision, helping to protect their retirement outcomes.
For more details and information about the investment solutions available, please contact us.
Pensions are a long-term investment. The retirement benefits your employees receive from their pension plan will depend on a number of factors including the value of their plan when they decide to take their benefits which isn't guaranteed, and can go down as well as up. The value of their plan could fall below the amount(s) paid in.
For employer use only.