• Investment choices

Investment choices

Your investment options

Where your money is invested is up to you. There are choices to suit your level of experience with investing and how involved you want to be with managing your investments.

Option 1: Do it for me - the low-involvement (default) option

Unless you pick another option, this is where your money will be automatically invested when you join the pension. This option has been chosen for the BTRSS by Standard Life and is believed to be an appropriate option for most members’ pension plan investments.

Option 2: Help me do it - other Standard Life lifestyle profiles

These let you tailor your investment choice by how much risk you're comfortable taking and how you're planning to take your money in the future (if you know).

Option 3: Let me do it - full fund range

The full fund range lets you choose from a wide range of options covering different asset classes, regions and investment styles.

Investment information for former BTRP members

As well as the options above, you also have access to some extra investment funds if you were a member of the BTRP before 1 April 2009.

View the options for former BTRP members

Things to know about investing

Find out more about investing - from how investments work, what funds are and how you can choose between them.

What are the charges?

The charges on your investments depend on how your funds are managed and what you invest in.

 Important information

As with any investment its value can go down as well as up and may be worth less than what was paid in.

If you need help with choosing your investments, you should seek financial advice. There is likely to be a charge for this.