Members’ preferences when it comes to risk and reward may vary according to their level of understanding, age, previous experiences and in consideration of other savings, investments, and incomes they may have. Because we are all different, Creative Pension Trust offers members a way to invest that meets their own personal attitude to risk.
Freestyling options - for members making their own investment choices
Risk Rated Funds
Choosing from any of our 5 risk-rated investment funds will ensure their pension is only ever invested according to the level of risk they tell us they are comfortable with.
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Target Date Funds
Many members can expect to build a considerable pension pot over the course of their career and demand greater flexibility and choice in how and when they draw their pension. Our range of Target Date Funds are designed to provide members with a lifelong investment approach based on their anticipated retirement date. Funds are available in 5-year increments and follow an investment pathway designed to maximise growth in early-to-mid career years before moving towards a strategy of capital preservation towards the member’s intended retirement age.
Unlike some other options, our Target Date Funds keep members’ money invested until they have decided how they wish to use their pension. This can be beneficial for members seeking to use our Flexi-Access Drawdown feature to draw their pension on a regular or periodic basis, whilst continuing to invest their pension in order to benefit from potential future returns in their retirement years.
Preference and Faith Funds
It is important that all members can be comfortable with how their money is invested. We are proud to offer members access to our Ethical Fund, for members who seek to ensure their money is invested in progressive organisations, and our Shariah Fund, which is designed in full compliance with Islamic Shariah principles.
Self-Select Funds
Depending on their interests and financial experience, some members may be comfortable taking a much more active role in managing the way their pension savings are invested. To enable members to create their own investment portfolios, we offer a range of specialist, self-select investment funds across different asset classes that members can choose and mix in any proportion according to their requirements.
Lifestyling option - for members who do not make their own investment choices
Default Investment Strategy
As an auto-enrolment ready workplace pension, we’re here to help members who have not, or do not want to make their own investment choices. Our Default Investment Strategy manages members’ money on their behalf, investing in a range of carefully selected funds that are scrutinised and stewarded to deliver on our members’ best interests, so everyone can benefit from their workplace pension, regardless of their investment experience or involvement.
