Investments
Our straightforward range of investment options keeps things simple for all our members, whether they want to self-select their own funds or investment profile or let us choose for them.
Our £15bn move to climate-aware strategies
Moving £15bn of our assets under management (AUM) to more sustainable investments is part of our long-term plan to protect members’ savings from the most financially material risks of climate change.
As well as aiming to safeguard our members’ savings, we also believe, as responsible investors, that moving away from carbon-heavy investments is the right thing to do for our members. Our members tell us that climate change is important to them, and as the majority are invested in our default investment option, we wanted to make it easy for them to invest in a sustainable way without having to do anything. That’s why we’ve made the growth phase of our default investment option central to our new strategy. This move means:
- 70% of our main investment fund – the Global Investments (up to 85% shares) Fund, which makes up the growth phase of our default fund – is now clearly aligned with the Paris Agreement goal of keeping warming below 1.5°C.
- The carbon footprint of the members invested in this fund has been reduced by 30%.
- The carbon emissions of this fund are aligned with the minimum standards of the European Union’s Climate Transition Benchmark, which means emissions will further reduce by 7% each year, to target reaching net zero by 2050.
Find out more on our dedicated responsible investment webpage for employers.
Investment links
Investment downloads
Download reports, policy documents and fund factsheets.
Transaction costs
Find out how the transaction costs of our funds affect member pension pots.
Fund unit prices
Review the unit prices of all of our funds.
Our investment options
We offer a streamlined range of investment options to keep things simple for all our members, providing them with a variety of solutions that aim to preserve or grow their pension pots based on their attitude to risk and reward.
Along with our default option – the ‘balanced’ investment profile – we also provide 2 additional investment profiles and 8 investment funds to choose from.
What we offer
We work hard to provide investment solutions that meet the needs of the majority of our members. Central to this approach is our default fund – the ‘balanced’ investment profile – where the majority of our members are currently invested. Our default automatically switches to lower-risk investments as members approach retirement, so it s ideal for those with little investment knowledge or those unlikely to seek professional financial advice.
Members who are confident making investment decisions, either by themselves, or with the help of an adviser, are free to select one of our other 2 investment profiles or a combination of our 8 funds. Learn more about our investment options by clicking on the links below to navigate to our member investment site.
Investment profiles
Investment profiles bring together groups of investments with
different levels of risk.
There are 3 to choose from with The People’s Pension
- balanced
- cautious
- adventurous
Self-selected investment funds
Our range of 8 funds provide a variety of solutions based on an individual member’s attitude to risk and reward.
Members can choose how much money they invest in each fund, and each fund has distinct level of risk.
Discover more investment information on our member website
Learn more about our investment options and how our profiles change as members approach retirement by following the links below to our member website.
Investment funds
Review our latest fund information.
Investment options
Get in-depth information about all our investment options.
Investment changes approaching retirement
Learn how our investment profiles change 15 years from retirement.
Responsible investment
As responsible investors of our members money, environmental, social and governance (ESG) lies at the heart of our investment strategy.
We allocate time to evaluating ESG concerns and doing the methodical, fact-based examination that facilitates the production of superior decision-making.
As well as social and governance issues, we believe climate change poses a financially material risk to our members’ money. That’s why we’ve aligned our investment portfolio with the Paris Agreement goal of keeping warming below 1.5°C.