The starting position
When you join the BTRSS, your payments will be invested in the BTRSS Lifestyle Profile. Details can be found in the The BT Retirement Saving Scheme booklet. This profile may or may not be right for you, so it's important that you read through the following options to help you decide.
Until you make a different choice your payments will continue to be invested in this Lifestyle Profile.
What else is on offer?
Pick your own option – core fund range
After taking advice from professional advisers, BT has selected a range of core funds that may be easier for you to choose from. You can find further details on these funds in the How to choose the right investment options for your pension booklet.
|Money Market Instruments (including cash)||Standard Life Deposit and Treasury Pension Fund|
|Index Linked Gilts||Standard Life Index Linked Bond Pension Fund|
|Long Dated Gilts||Standard Life Annuity Purchase Fund|
|Corporate Bonds||Standard Life Corporate Bond Pension Fund|
|Property||Standard Life Property Pension Fund|
|Managed||Standard Life Managed Pension Fund|
|UK Equity Tracker||SL BlackRock Aquila HP UK Equity Pension Fund|
|UK Equity||Standard Life UK Equity Pension Fund|
|Overseas Equity Tracker||SL BlackRock Aquila HP World (Ex-UK) Equity Pension Fund|
|Overseas Equity||Standard Life Overseas Pension Fund|
The SL BT Share Pension Fund will also be available to members alongside the core fund range and full range of funds.
Pick your own option – the full fund range
If you are more comfortable with making your own investment choices, you will have access to more than 150 insured funds in the full fund range. These include specialist funds such as Ethical and Shariah compliant funds.
Details of the full fund range are provided in the How to choose the right investment options for your pension booklet.
You can switch your payments in and out of the various choices within the core and full range of funds to change the mix of your investments.
Once you have joined the BTRSS, you also have the option to invest in a Group Self Invested Personal Pension (GSIPP), which allows members to consider additional self-investment functionality as part of the BTRSS. Please see the information on the GSIPP page for details.
Important fund information for BTRP members
The funds listed below are only available to former members of the BTRP. Please note that Legal & General reserve the right to delay switches out of all Legal & General Funds for a period of up to 12 months.
This is outside of Standard Life's control.
SL L&G UK Equity Index Fund
SL L&G Cash Pension Fund
SL L&G Global Equity Fixed Weights 50:50 Index Pension Fund
SL L&G Over 15 Year Index Linked Gilts Index Pension Fund
SL L&G Pre Retirement Pension Fund
SL Schroder Life QEP Global Active Value Pension Fund
How do I change my investment choice?
You can change your investment options by visiting your own webpage. Standard Life will send you your login details a few days after you join the plan.
Not sure which fund to choose?...
To help you decide which funds are right for you, use the Fund selection tool.
Some things you should be made aware of:
As with any investment, the value of your fund can go up or down and may be worth less than what was paid in.
If you need help with your investment options at any time, we recommend that you speak to an independent financial adviser. You may have to pay for this advice. If you don't have your own financial adviser, you can find one in your area by visiting unbiased.co.uk
The link to unbiased.co.uk is outside Standard Life's website and will open in a new window. Standard Life is not responsible for the content of external internet sites.