Find out more about Standard Life's investment philosophy and why our flexible options might be right for your workforce.
Where your employees’ pensions are invested is very important. It has a big impact on how much they’ll have in their pot when they retire and how long this will last.
But understanding where best to invest can be one of the hardest choices for employees. You too have some difficult decisions to make. You need an appropriate default investment option for employees who don’t want to choose their own investments. And you need choice for those who do.
Here are some things to think about:
We aim to
We also support you and your employees at every stage. Not only can our flexible investment options evolve to reflect changes in legislation and employee needs. We make sure they never take any more or less risk than they should, and that they continue to deliver their expected outcomes – what we call ‘investment governance’.
And we keep your employees informed about how their investments are doing, with a yearly statement.
We believe in active fund management, where our experts look for opportunities for funds to perform better than a particular market, benchmark or other similar funds. This is different to passive funds, which aim to match a market or benchmark.
Nobody can ever promise that investments will always go up in value, and there’s always a risk that they may be worth less than what was put in. But our experts are always working to make the most of investment opportunities for your employees - to try and increase returns and to minimise losses.
The default investment option is Active Plus III
Active Plus range
Passive Plus range
MyFolio Managed range
You can have as little involvement or as much involvement as you want.
Our default investment option (also called the low-involvement option) is the Active Plus III Universal Strategic Lifestyle Profile (SLP).
It’s one of our flexible investment options that we call ‘strategic lifestyle profiles’ or SLPs and is designed to make it easy for employees to save for retirement. It’s also designed so they can keep their options open about how they take their money when they retire – they’re not tied to one single option, such as buying an annuity.
If you want a default that meets the specific needs of your workforce, we have more SLPs for you to choose from. You can choose an SLP that has a different:
Or all three.
Find out more about choosing an appropriate default and our range of SLPs below.
You’ll want to give your employees the best possible chance of their pension meeting their retirement goals.
So do we.
* Risk level I Universal and Active Retirement glidepaths aren’t available as these would take more risk than appropriate for employees with a very low tolerance to investment risk.
One size doesn’t fit all when it comes to investments. Some employees may be more knowledgeable about investments and want to build their own pension investment portfolios. And some workforces have different requirements. So we offer choice beyond our defaults and SLPs.
Employees with a good understanding about investments can choose from hundreds of funds from leading fund management groups. These cover different asset classes, regions and investment styles.
All these funds are regularly reviewed as part of our investment governance processes.
Looking for investment options that meet specific requirements? If your scheme meets certain criteria, we can help:
Customised default options
Design a default tailored to your employees’ needs.
Blend together two or more funds from our fund range to create a single fund.
Selected fund range
Create a shortlist of funds if you feel employees might be overwhelmed by too much choice.
Speak to your financial adviser or call us for more information about employer-designed investments.