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 line with their individual interests.

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.

One way you may want to invest is through funds that closely align with your individual interests and there are a variety of ways to achieve this below.

Some of your options around alternative investment choices include:

Read your Investment Guide
You may need to speak to us about this
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 investing for individual interests works

Choosing your own investments is known as ‘freestyling’, which means making decisions about how your money is invested without intervention from us. This might be because you would prefer to invest based on your individual interests.

Depending on your interests and financial experience, you may be more comfortable taking an active role in managing the way your pension is invested. To provide flexibility for members that may want to create their own investment portfolios, Creative Pension Trust provides a range of specialist investment funds to choose from. These can be chosen and mixed in any proportion according to your needs.

May be suitable for members with specific investment knowledge or interests.

Why choose your own investments?

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 other government-backed service. You can find out more about where to get advice and guidance here.

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

  • Supporting certain financial needs or goals – You may be recommended specific investment funds or types of asset to invest in if you have received financial advice. This may be to support specific financial planning requirements or linked to your attitude to risk
  • Your own research – You may be familiar with investing and wish to choose certain investments because you believe they will outperform other alternatives based on research and economic data

Each individual investment fund will vary according to the kinds of investment it makes and how it is managed. You can find out more about each individual fund in the following descriptions:

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 the latest details on its holdings.
Risk profile: Very cautious Very cautious
Launch date: 01/07/1997
Annual Management Charge1: 0.30% p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

Investing in Fixed Interest

ML All Stocks UK Corporate Bond Fund
Fund aims
The fund aims to provide long-term investment return through an allocation predominantly 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 the latest details on its holdings.
Risk profile: Moderately Cautious Moderately Cautious
Launch date: 01/07/2003
Annual Management Charge1: 0.30% p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

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 the latest details on it’s holdings.
Risk profile: Moderately cautious Moderately cautious
Launch date: 01/10/2012
Annual Management Charge1: 1.00% p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

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 the latest details on its holdings.
Risk profile: Adventurous Adventurous
Launch date: 01/03/2018
Annual Management Charge1: 0.65% p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

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 the latest details on its holdings.
Risk profile: Adventurous Adventurous
Launch date: 01/07/1997
Annual Management Charge1: 0.45% p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

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 Adventurous
Launch date: 01/03/2018
Annual Management Charge1: 0.50 % p.a.
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

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 the latest details on its holdings.
Risk profile: Adventurous Adventurous
Launch date: 01/03/2018
Annual Management Charge1: 0.70% p.a
1Other periodic charges may be incurred by the fund from time to time. These do not include the costs of buying and selling stocks for the fund. Please see the fund factsheet for further information.

You may also be interested in...

  • My account

    Get help with managing your account and using the Creative Pension Trust Member Portal.

    Click here
  • Popular right now

    Here are the pension questions members are asking at the moment.

    Click here
  • Understanding your pension

    Take control of your pension, understand how it works and the choices you have.

    Click here

Can’t find what you’re looking for? Contact us here