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Your investment options
It's your money - take control
Where your money is invested can make a big difference to what your pension will be worth - and to your lifestyle - when you retire.
So it’s important that you find out where your money is invested and what your options are.
Option 1. Stay in the low-involvement investment strategy
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.
It's a lifestyle profile, which means as you get closer to retirement it will gradually and automatically move your pension savings into lower risk funds designed to give you the flexibility to take your money the way you want when you retire.
Pros:
- You don't have to select your own investments
- You don't have to actively manage your investments
- It automatically prepares your pension savings for retirement
Cons:
- You can't invest in any other options if you choose this option
- It's not suitable for everyone
Option 2. Choose from the core fund range
If you'd like a bit more choice, BT - with the help of their advisers - has selected a range of investment options for you to choose from.
They're not a recommendation but they've been selected to help you make your own choices more easily.
Pros:
- You get more choice about where to invest your money, but you still get some direction
- You can select funds to match your needs and attitude to risk
Cons:
- You will need to be more involved in managing your investments
- These options aren’t suitable for everyone
Option 3. Choose your own funds
If you want more choice about where to invest your money, you can choose from the full range of investment options.
You don't have to be an investment expert. There are choices to suit your level of experience and how involved you want to be.
If you’d like an option that automatically prepares your pension savings for retirement, you can choose a lifestyle profile.
Pros:
- You get full control over where to invest your money
- You can select a portfolio to match your needs and attitude to risk
Cons:
- Unless you choose a lifestyle profile, you may need to be more involved in managing your investments
- You can only invest in a maximum of 12 funds at any time
Important information
As with any investment the value can go up or down and may be worth less than what was paid in.
Important documents
To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.
This is where you will find specific details about BT’s company pension.
When joining from EE this is where you will find specific details about your BT company pension.
This document explains the features of the pension product your employer has chosen.
This document gives you an illustration of what your pension could be worth for BT employees. It may not take into account rebates that may apply to your policy. You can find more information about the charges and rebates on the charges page.
This document gives you an illustration of what your pension could be worth if you are a former EE member. It may not take into account rebates that may apply to your policy. You can find more information about the charges and rebates on the charges page.
This document gives you an illustration of what your pension could be worth if you are a former T Mobile DB or Orange member. It may not take into account rebates that may apply to your policy. You can find more information about the charges and rebates on the charges page.
Key features illustration for T Mobile and Orange employees (PDF, 114KB)
Read this guide for more information on your investment options, including details about charges and fund codes.
How to choose the right investment options for your pension (PDF, 837KB)
Use this form to instruct Standard Life on payment of death benefits from the BTRSS.
Read this guide, provided by BT, for more information about how SMART Pensions work. Standard Life is not responsible for the content of this guide.
