Read about our investment funds and compare their past performances
Our investment funds
We package groups of investments into funds that are typically a mixture of shares from around the world and bonds and gilts. The exact make-up of a member’s investment depends on which fund (or investment profile) they are in and may depend on their age.
For those with more confidence in investing, rather than choosing one of our 3 investment profiles (or remaining in our default investment profile) – members can decide for themselves where their pension savings are invested if they want to, by choosing from our investment funds.
We classify our investment funds by risk – so that members can see which of them have the potential for higher returns, and which of them may remain more stable.
Members can specify what percentage they want to put in each fund (except the Shariah Fund, which has to be all in).
Discover our funds…
Global Investments (up to 85% shares) Fund – high/medium risk
This fund combines the long-term growth potential of UK and Global Equity with the relative security provided by Gilts and Corporate Bonds.
There’s potential for long-term growth with some security.
The People’s Pension Ethical Fund is weighted towards companies that demonstrate a strong track record of managing environmental, social and governance (‘ESG’) risks and opportunities.
The fund does this in 2 ways:
It excludes any investments in companies involved in controversial weapons, or in a recent very severe ESG controversy (eg human rights, labour rights, or the environment).
It uses research by a market leading firm in ESG research, MSCI, to give a score for each company that it invests in based on a wide range of criteria covering everything from how much a company pollutes, to its record on human rights.
Companies will then be compared against other similar companies, for example, supermarkets against other supermarkets. We then choose to reduce the amount invested in firms that score badly and invest more in firms that score well.
HSBC Amanah Global Equity Index Fund (Class YCGBP)
The Shariah Fund is for those members who wish their pension pot to be invested in line within the principles of Islamic law and are comfortable investing in a higher risk fund than our default fund. The fund excludes investments in companies providing goods and services such as alcohol, tobacco, and gambling that are deemed as inconsistent with Shariah law.
The Shariah Fund is a higher risk fund and invests in a smaller number of companies compared to our other funds. This concentration makes the fund, and your pension pot more likely to have large movements in value (both up and down).
If you choose your funds yourself, your money won’t automatically move into lower-risk investments as you approach retirement. That means you’ll need to make sure you regularly review the funds you’ve selected (and your attitude to investment risk) as you near retirement. Alternatively, you can pick from one of our 3 investment profiles.
Trying to decide what option suits you best?
If you’re a member of The People’s Pension and you’re trying to decide which investment option will suit you best, it’s important to know that the value of investment funds will move up and down depending on how well they’re performing.
Different types of investments move up and down in value in different ways. Some move sharply and can be unpredictable, others move less abruptly and remain relatively stable. This movement is called volatility and some investments are more volatile than others.
Past performance of investments doesn’t guarantee or act as a guide to future performance.