We want to ensure everybody has the opportunity to invest in a way that they are comfortable with.

For some, this may mean investing in a way that enables future flexibility in their retirement plans and how they take their money.

How we invest your money

Rather than overwhelming you with thousands of unclear investment choices that lack a clear purpose or require detailed analysis, Creative Pension Trust works with some of the world’s leading investment fund managers to offer flexibility and choice through a range of high quality, member-friendly investments.

If you prefer to make your own investment choices or you have particular requirements that you want to ensure are taken into account, you can easily choose your own investment funds and change them at any time using the Creative Pension Trust Member Portal.

If you are interested in investing for future flexibility, Target Date Funds can offer a way to achieve optimal growth in you pension savings based on how far from retirement you are. They provide access to automated investment expertise whilst you are saving into your pension and, when it comes to your retirement, help to ensure your pension is ready for your planned retirement date.

Some alternative investment choices include:

Read your Investment Guide
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Applies to all our plans

More information

Want to know how we invest your money when you pay in? Watch this video to learn more about our Default Investment Strategy, which we will use to invest your money unless you decide to make your own choice of investment fund:

How a Target Date Fund can help provide future flexibility

Gone are the days when you had to take your pension at a given age with little or no choice in how you got to take your retirement income. Creative Pension Trust puts you in charge – whether you plan to carry on working into retirement, step back from work gradually, or stop altogether as soon as you can, the decision is yours to make.

To help you make the most of these flexibilities but without needing to be heavily involved in making investment decisions while you are saving, Creative Pension Trust offers members access to a range of Target Date Funds, which aim to do much of the hard work for you.

May be suitable for members with more considerable pension savings seeking greater flexibility at retirement.

Who might choose a Target Date Fund?

Our Target Date Funds are designed for members who are likely to want flexibility in how and when they draw their pension at retirement. This is often typical for members who are expected to have considerable pension savings (over £50,000) at and who would normally seek to draw on their pension flexibly at various intervals rather than taking it all at once or using their pension to buy a guaranteed retirement income (an annuity).

How do our Target Date Funds work?

Each Target Date Fund has a target retirement year, which you can easily identify in the name of the fund,and these are provided in 5-year increments. For example, our 2030 Retirement Age Fund would be suitable for members seeking to retire in 2030 or within a few years either side.

Using this target date for your retirement, our experts create an investment strategy that is pre-programmed to target optimal growth over time based on how far off your retirement is. In earlier years, members will automatically be invested in a way that is designed to grow their pension savings.

Gradually, over the course of 35 years, your investments will begin transferring to more conservative investments that preserve the value of your pension, protecting it from significant fluctuations in value whilst keeping it ahead of inflation.This program of automatic changes is known as an ‘investment glidepath’, and each is built around your selected target retirement date.

Investing for future flexibility

e.g. ML 2025 Retirement Age Fund
Fund aims
The funds aim to achieve real investment growth for members expecting to retire around a given year.Each fund will shift gradually to a focus on capital preservation over a period of 35 years using an investment glide path that sets the asset allocation between growth investments and investments targeting capital preservation, which are dynamically managed.

The funds are designed to allow for continued investment growth for members who wish to continue managing their investments for post-retirement income. The member’s pension will transfer into the Retirement Ready Fund automatically on 01 April in the year following the selected Target Retirement Date.

To achieve this, each fund contains holdings in the following investment funds, which vary over time depending on how near you are to your target retirement age:


Funds used Allocation (%)
Time to Target Retirement Date (Years) Retirement ready fund
40 35 30 25 20 15 10 5
ML Equity Accumulation 100.0 100.0 66.7 33.3 0.0 0.0 0.0 0.0 0.0
ML Diversified Beta 0.0 0.0 33.3 66.7 100.0 85.7 71.4 57.1 42.9
ML Pre-Retirement 0.0 0.0 0.0 0.0 0.0 14.3 28.6 32.9 32.1
ML Sterling Liquidity 0.0 0.0 0.0 0.0 0.0 0.0 0.0 10.0 25.0


The asset mix of each 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 the latest details on its holdings.
Risk profile: Variable, based on years until retirement
Annual Management Charge: 0.75% p.a.

Typical investment holdings for this fund:

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