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Your investment options

Designed to help you balance the level of risk you are willing to take with the potential rewards you want to achieve.

Please note

It is important to remember that you could get back less than the original amount you invested when using any of our investment options. Please also note that investment returns may fluctuate and are not guaranteed.

Governed Portfolios

Our Governed Portfolios allow you to invest in a spread of equities, bonds and property while taking into account the length of time you have to save as well as the amount of risk you are prepared to take.

Each portfolio benefits from our governance service which simply means that we review them regularly. This allows us to make sure that they continue to meet their objectives.

What's more, this service comes at no extra charge.

Lifestyle Strategies

The closer you get to taking your retirement benefits the more likely it is that you'll want to reduce the risk to your savings. Our range of Lifestyle Strategies is designed to help with this.

Thirty of these strategies are built using our Governed Portfolios and are designed to suit different attitudes to risk.

In the early years of your plan, they'll aim to provide maximum investment growth by investing in a higher risk portfolio. In the later years they aim to reduce your exposure to risk by investing in lower risk portfolios. This happens automatically and you don't have to do anything.

The other strategy - our Managed Lifestyle Strategy - works in the same way. It is designed for balanced investors and moves through our three managed funds.

Choose your own funds

If you want to pick your own funds we offer a carefully selected range to choose from.

Scottish Life pension funds

Our in-house funds are managed by our sister company - Royal London Asset Management. These funds offer opportunities to invest in the UK and overseas and aim to provide consistent long-term growth.

Specialist fund managers

You also have access to the investment expertise of some of the world's leading investment companies through our range of over 120 externally managed funds. Some of these funds have an additional charge.

If you would like more detailed information on the range of investment options available, please see Pension investment options - a clear and simple guide.

Updated 25 March 2013

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