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 adheres to their comfort levels for risk.

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 option you can choose it to invest in funds that closely align with your risk tolerance. With Creative Pension Trust, this can be done through these funds:

  • ML Pre-Retirement Fundfor Cautious investors
  • ML Conservative Fundfor Moderately Cautious investors
  • ML Retirement Builder Fundfor Average investors
  • ML Diversified Beta Fundfor Moderately Adventurous investors
  • ML Equity Accumulation Fundfor Adventurous investors

Some 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 your attitude toward risk

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 risk tolerance.

This refers to the level of risk you are personally prepared to take with your pension savings in exchange for the opportunity to benefit from investment growth. Your personal preferences when it comes to risk and reward may vary according to your level of understanding, your age, previous experiences and in consideration of other savings, investments, and incomes you may have.

Because we are all different, Creative Pension Trust offers you a way to invest that meets your own personal attitude to risk. Choosing from any of the following 5 investment funds will ensure your pension is only ever invested according to the level of risk you tell us you are comfortable with.

May be suitable for members with personal preferences towards investment risk and potential reward.

Compare typical investments by fund:

Cautious

ML Pre-Retirement Fund
Fund aims
The fund aims to:

  • provide a long-term investment return to investors with a cautious attitude to risk
  • invest in a range of different assets that are actively managed to target optimal returns
  • outperform its inflation target over the business cycle

To achieve this, the fund contains holdings in the following investment funds:

L&G Over 5 Year Index-Linked Gilt Index Fund L&G Asia Pacific (ex Japan) Dev Equity Index Fund
L&G All Stocks Gilts Index Fund L&G Japan Equity lndex Fund
L&G Over 15 Year Gilts Index Fund L&G North America Equity Index Fund
L&G Corporate Bond Over 15 Year Index Fund L&G Europe (ex UK) Equity Index Fund
L&G Corporate Bond All Stocks Index Fund 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: Cautious
Launch date: 01/08/2011
Annual management charge1: 0.75% 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.

Moderately cautious

ML Conservative Fund
Fund aims
The fund aims to:

  • provide a long-term investment return to investors with a moderately cautious attitude to risk
  • invest in a range of different assets that are actively managed to target optimal returns
  • outperform its inflation target over the business cycle

To achieve this, the fund contains holdings in the following investment funds:

ML Pre-Retirement Fund ML Retirement Builder 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: 01/03/2018
Annual management charge1: 0.75% 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.

Average

ML Retirement Builder Fund
Fund aims
The fund aims to:

  • provide a long-term investment return to investors with an average attitude to risk
  • invest in a range of different assets that are actively managed to target optimal returns
  • outperform its inflation target over the business cycle

To achieve this, the fund contains holdings in the following investment funds:

L&G Corporate Bond All Stocks Index Fund L&G Europe (ex UK) Equity Index Fund
L&G Over 5 Year Index-Linked Gilt Index Fund L&G North America Equity Index Fund
L&G UK Equity Index Fund L&G W Asia Pacific (ex Japan) Dev Equity Index Fund
L&G All Stocks Gilts Index Fund L&G Japan Equity lndex 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: Average
Launch date: 01/08/2011
Annual management charge1: 0.75% 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.

Moderately Adventurous

ML Diversified Beta Fund
Fund aims
The fund aims to:

  • provide a long-term investment return to investors with a moderately adventurous attitude to risk
  • invest in a range of different assets that are actively managed to target optimal returns
  • outperform its inflation target over the business cycle

To achieve this, the fund contains holdings in the following investment funds:

L&G UK Equity Index Fund BLK Emerging Markets Equity Fund
L&G North America Equity Index Fund L&G Corporate Bond All Stocks Index Fund
L&G Europe (ex UK) Equity Index Fund L&G All Stocks Gilts Index Fund
L&G Japan Equity lndex Fund L&G Over 5 Year Index-Linked Gilt Index Fund
L&G Asia Pacific (ex Japan) Dev 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: Moderately Adventurous
Launch date: 01/10/2011
Annual management charge1: 0.75% 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.

Adventurous

ML Equity Accumulation Fund
Fund aims
The fund aims to:

  • provide a long-term investment return to investors with an adventurous attitude to risk
  • invest in a range of different assets that are actively managed to target optimal returns
  • outperform its inflation target over the business cycle

To achieve this, the fund contains holdings in the following investment funds:

L&G North America Equity Index Fund L&G Europe (ex UK) Equity Index Fund
L&G Asia Pacific (ex Japan) Dev Equity Index Fund BLK Emerging Markets Equity Fund
L&G UK Equity Index Fund L&G Japan Equity lndex 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: 01/10/2011
Annual management charge1: 0.75% 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.

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