You can make your own investment decisions by selecting one or more of the Cheviot options. You are able to move your fund between options and one transfer a year is free.
By choosing your Cheviot option, you can take into account other investments you may have, including other pension schemes. It is your responsibility to review your investment choices and decide which option, or options, is right for you. This is especially important in the few years before you retire as your fund will not be moved to lower risk options to help to protect its value. You may need to change your investment options if you want to reduce risk.
You can choose from the following range of options. The risk rating is assessed on a scale of 1-6 with 6 being the most risky. The more risk you take, the higher the potential return but you may also experience more fluctuations in value. All options can go down as well as up. You can split your fund between different investment options.
Please note - funds not showing 5 year figures have an inception date of less than 5 years ago.
Inception dates for the funds are as follows:
Your fund will remain in the investment option(s) you selected. You can take your benefits as a secure income (annuity), cash, either in a lump sum or as a flexible income over a period of years. Click here for more information.
We understand that your attitude to risk may change as you get older and that your plans for retirement may change for a number of reasons. You can therefore ask us to change your investment options at any time, both for your future contributions and for part or all of your existing account. One switch is free per year; more switches may incur additional charges.
The information on this page does not represent financial advice and the Trustee strongly recommends that members take independent financial advice in connection with decisions relating to their pension fund.
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