When you and your employer pay contributions into your workplace pension, you expect us to invest them wisely for your future. We take this responsibility seriously.
Your pension savings are invested to give them a chance to grow over time. They are invested in funds that are divided into equal-value units. We use the contributions paid by you and your employer to buy these units, which are invested by our investment manager. As with all investments, the value of the units can go up or down over time.
We don’t ask you to make any investment decisions. Instead, the NOW: Pensions Trustee takes responsibility for our investment strategy in consultation with its professional investment advisers. We believe this gives you the reassurance of knowing that your investments are being managed by experts who have your long-term savings needs in mind.
We’ve developed our investment approach to balance investment risk and reward in a way that we believe gives you good value and positive outcomes over the long term.
We invest your money in two funds with different objectives.
- The Diversified Growth Fund aims to deliver stable investment growth over the long term.
- The Retirement Countdown Fund aims to protect the value of your pension savings by moving them to lower-risk investments as you approach retirement.