Freestyling options - for members making their own investment choices

Risk Rated Funds

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.

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.

Find out more
May be suitable for members with personal preferences towards investment risk and potential reward

Your guide to the information on this page

Applies to Creative Workplace Pension
Applies to Creative Auto Enrolment Pension

Plans powered by

May be suitable for members who are likely to build more considerable pension savings and seek greater flexibility at retirement

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.

Find out more

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.

Find out more
May be suitable for members with ethical or religious preferences
May be suitable for members with specific investment knowledge or interests.

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.

Find out more

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.

Find out more
For members who do not make their own investment choices after auto enrolment

Speak to an expert

  • This field is for validation purposes and should be left unchanged.

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