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.


  • 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


  • You can't invest in any other options if you choose this option
  • It's not suitable for everyone

More about the low-involvement option

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.


  • 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


  • You will need to be more involved in managing your investments
  • These options aren’t suitable for everyone

Choose from the core fund range

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.


  • You get full control over where to invest your money
  • You can select a portfolio to match your needs and attitude to risk


  • 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

Find out more about your options

 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.

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 short video provides you with useful information about the BTRSS.

Introduction to the BTRSS

This is where you will find specific details about BT’s company pension.

Plan summary document for BT employees (PDF, 81KB)

This document explains the features of the pension product your employer has chosen.

Key features document (PDF, 288KB)

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.

Key features illustration for BT 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.

Instruction for payment of death benefits (PDF, 77KB)

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.

SMART Pensions (PDF, 332KB)

Investments explained

Ever wondered why your money is invested? And how investment works? It’s not as complicated as you might think.