What are the features of the ‘adventurous’ investment profile?

The ‘adventurous’ investment profile is designed to provide:

– Higher risk and increased volatility
– Aims to maximise growth in the long term
– Moves to lower risk investments approaching retirement
– For members who are prepared to take on more risk for the potential for increased growth.

There are two main stages in the investment profiles. When joining the scheme, members with more than 15 years before their selected retirement age enter a growth phase, where contributions are invested in an equity based fund with the aim of maximising potential investment return for an appropriate level of risk. Members then enter a ‘glidepath’ phase where assets are switched into the Pre-Retirement Fund which has lower volatility. This phase starts 15 years before their selected retirement age.

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For members who don’t wish to select one of the three investment profiles, there are also eight self-select options. Members can choose from the scheme’s fund range themselves and for self-select options, the funds will not be automatically switched into lower risk funds approaching retirement but can be moved between the investment funds only at the member’s request.

Further details about investments can be found in the Annual Report and Financial Statement and separately, in the The People’s Pension Assurance Report.

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