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

The ‘cautious’ investment profile is designed to provide:

– Lower risk and volatility
– Moderate growth over the long-term
– Moves to lower risk investments approaching retirement
– For members who are prepared to accept some degree of risk, but who look for investments with lower volatility.

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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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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