Standardised investment option

If you are not following financial advice with regard to your investment choice and do not wish to select your own investments, one option available to you is a range of target retirement funds: 

We have identified them as being suitable to meet the needs of a typical non-advised pension investor. Please note they are ready-made portfolios, aligned to a preset range of retirement dates, and are not tailored to an individual’s retirement goals.

Please note these funds are managed by Vanguard and their inclusion on our platform does not mean we endorse or recommend them.

If your investment needs and objectives fall outside of this standardised option, you may wish to consider other investment choices.

If you want to ensure that your investment choices are suitable for your financial goals, we strongly suggest that you engage with a financial adviser.

Selecting funds on the investment centre:

If you’d like to choose our Standardised Investment Option please select the ‘add funds’ button and enter the fund name or ISIN code for the relevant fund based on your planned retirement date.

Vanguard have designed the fund range to meet the needs of a wide range of pension investors – people of different ages, backgrounds and income levels. There’s no guarantee that they’ll be suitable for your particular retirement goals.

Full details of the Vanguard target retirement fund range can be found at ‘key documents’ next to fund names with the investment centre.

Past performance is not a reliable guide to future performance. The value of an investment can go down as well as up, and may be less than the amount(s) paid in. 

Further information for customers operating without an adviser:

• We don’t have the same regulatory permissions as an adviser. This means that we can’t give you advice or provide you with a view on the suitability of our platform or your investments.
• Whilst we can’t offer advice, we’re happy to help you self-manage your account(s) with us.
• You need to be comfortable making your own decisions on the suitability of our platform and your selected investments.
• You can trade/switch, obtain valuations, take withdrawals (regular and one off) and move into drawdown.
• Certain investments are only available through an adviser, so you won’t have access to them.
  
  
  

You should seek advice if you need help to understand:

• the suitability of our platform
• your current investments
• whether you’re on track to achieve your retirement goals; and
• any charges.