Members who select their own investments normally have a broader range of financial experience or they may receive investment advice or guidance from a financial adviser or a government- backed service.

There are a number of reasons and goals that self-selecting investments may support, such as:

Supporting certain financial needs or goals: Members may be recommended specific investment funds or types of asset to invest in if they have received financial advice. This may be to support specific financial planning requirements or linked to an attitude to risk.

Private research: Some members may be familiar with investing and wish to choose certain investments because they believe they will outperform other alternatives based on research and economic data.

Our 8 Self-Select investment funds provide members with access to a range of different asset classes across a range of geographies, giving those with greater confidence and financial experience flexibility and choice to create and manage their own portfolio.

Your guide to the information on this page

Applies to Creative Workplace Pension
Applies to Creative Auto Enrolment Pension

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Investing in cash

ML Sterling Liquidity Fund
Fund Aims
The fund aims to provide a return through an allocation to the short-term UK money market, with the objective of outperforming the short term UK money market on a consistent three-year rolling basis. To achieve this, the fund contains holdings in the following investment funds:
L&G Cash Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Very Cautious
Launch Date: 01/07/1997
Annual Management Charge1: 0.30% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing in fixed interest

ML All Stock UK Corporate Bond Fund
Fund Aims
The fund aims to provide long-term investment return through an allocation predominately to the UK Corporate Bond market, aiming to outperform the UK Corporate Bond market on a consistent three-year rolling basis. To achieve this, the fund contains holdings in the following investment funds:
M&G PP All Stocks Corporate Bond Fund
BG BF Investment Grade Bond Fund
Insight UK Corporate All Maturities Bond Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Moderately Cautious
Launch Date: 01/07/2003
Annual Management Charge1: 0.60% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing for Absolute Return

ML DGF Solutions Fund
Fund Aims
The Fund provides exposure to a combination of Diversified Growth Funds that are unique in strategy and implementation, aiming to provide a return profile that is consistent with the Diversified Growth Fund universe average. To achieve this, the fund contains holdings in the following investment funds:
Standard Life GARS Pension Fund
BNY Mellon (Insight) Global Absolute Return Fund
Schroder Life Dynamic Multi-Asset Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Moderately Cautious
Launch Date: 01/10/2012
Annual Management Charge1: 1.00% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing in Property

ML Passive Global Real Estate Equity Fund
Fund Aims
The fund aims to provide long-term capital growth through investment allocation to globally listed property securities. To achieve this, the fund contains holdings in the following investment funds:
L&G MD Global Real Estate Equity Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Adventurous
Launch Date: 01/03/2018
Annual Management Charge1: 0.65% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing in UK Equities

ML Passive UK Equity Fund
Fund Aims
The fund aims to provide long-term capital growth through investment allocation to the UK equity market using a passive management strategy, aiming to perform in line with the UK equity market on a consistent three-year rolling basis. To achieve this, the fund contains holdings in the following investment funds:
L&G UK Equity Index Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Adventurous
Launch Date: 01/07/1997
Annual Management Charge1: 0.45% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing in Global Equities

ML Passive Global Ex-UK Equity Fund
Fund Aims
The fund aims to provide long-term capital growth through investment allocation to the UK equity market. This Fund will invest using a passive management strategy, aiming to perform in line with the UK equity market on a consistent three-year rolling basis. To achieve this, the fund contains holdings in the following investment funds:
Blackrock Aquila Connect Currency Hedged World ex UK Equity Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Adventurous
Launch Date: 01/03/2018
Annual Management Charge1: 0.50% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment holdings for this fund

Funds used:

Investing in Emerging Markets

ML Passive Emerging Market Equity Fund
Fund Aims
The fund aims to provide long-term capital growth through investment allocation to emerging market equities. To achieve this, the fund contains holdings in the following investment funds:
Blackrock Aquila Connect Emerging Markets Fund
The asset mix of the fund will be reviewed periodically and may be amended if a review indicates that it would be in investors' best interest to do so. This means in future the fund could be invested in different funds and change its underlying holdings. Please check the fund factsheet for latest details on its holdings.
Risk Profile: Adventurous
Launch Date: 01/03/2018
Annual Management Charge1: 0.70% p.a.

1 Other periodic charges may be incurred by the fund from time to time. These do not include the cost of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Typical investment L&G Cash Fund holdings for this fund

Funds used:

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

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

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Presentation was very thorough and outlined all the options available.

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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.

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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.

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