Our investment approach

Automatic enrolment is set to radically change the demographic of those employees who save for their pension. Pension savings will no longer be made mainly by wealthier and more financially sophisticated employees, but be open to all eligible jobholders.

There will be a much wider audience who will have a range of investment requirements.

With this in mind, our philosophy is that pension savings should be easy to understand, fit for purpose and cost effective.


Easy to understand

• Employees select a personal risk profile rather than individual funds
• Flexibility allows for individual choice
• Education for employees to explain long term investment

Fit for purpose

• Exposure to equities crucial to accumulating a healthy pension pot
• Default fund constantly monitored with target market in mind
• 15 year glidepath reduces exposure to risk

Cost-effective

• Passively managed funds keep charges low
• One simple annual management charge
• Economies of scale through Super Trust