As with all modern, auto-enrolment compliant workplace pensions, a default investment strategy is provided for members who join the scheme but do not wish to make their own investment decisions.

Although it can be beneficial for members to have active participation in how their money is invested so their preferences and future plans can be considered, we recognise some pension savers aren’t comfortable making investment decisions but are content to save into a workplace pension where these decisions are taken on their behalf.

Our Default Investment Strategy provides members a quality alternative if they have yet to, or do not wish to, choose an investment for themselves.

When members default to our Default Investment Strategy, we invest their pension in a way that is designed to grow their savings in the long term during their early and mid-career years via a carefully selected range of investment funds. This provides a broad portfolio of underlying investments such as stocks and shares, government and corporate bonds, which we expect to provide a financial return.

Over the years, we will change the mix of these investments depending on the financial outlook and how far they are from retirement. On approach to retirement, we will automatically ensure their money is invested for the short term, making sure it is ready to be taken when it’s needed.

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Applies to Creative Workplace Pension
Applies to Creative Auto Enrolment Pension

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Made me realise how important it is to get things arranged.

Employee and Pension Scheme Member

I realised the necessity of sorting my pension out and decoding how I am going to do this.

Employee and Pension Scheme Member

Really informative.

Employee and Pension Scheme Member

It made me feel more aware of what I am doing rather than just relying on someone doing it for me.

Employee and Pension Scheme Member

Presentation was very thorough and outlined all the options available.

Employee and Pension Scheme Member

I didn't really fully understand pensions and how they worked prior to this and now I feel assured and confident to make a decision to save for my future.

Employee and Pension Scheme Member

Extremely useful presentation. The Creative representative explained the scheme in terms understandable by everyone.

Employee and Pension Scheme Member

It has helped me to feel in control of my pension.

Employee and Pension Scheme Member

It helped explain our options very simply so much easier to understand rather than the usual jargon.

Employee and Pension Scheme Member