Make your own investment choices or simply leave it to our experts
Whether or not you prefer make your own investment choices, your account with Creative Pension Trust is designed to grow your regular contributions and those made by your employer by investing your money in a number of different ways.
Unless you made a specific decision to change the way we invest your money for you, we do this work on your behalf using our default investment strategy, so you don’t need to make any decisions you aren’t comfortable with.
However, 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.
Leaving it to us
Our default investment strategy means we make the investment decisions for you, because we recognise many (even most) pension savers aren’t comfortable making investment decisions.
How does the default investment strategy work?
When your money is invested using our default investment strategy, we invest in a way that is designed to grow your savings in the long term during your early and mid-career years. This means we spread your money into a carefully selected range of different investment types such as shares, government and corporate bonds, which we expect to provide a financial return.
Over the years, we will change the mix of these investments depending on the financial outlook and how far you are from the Scheme’s normal retirement age of 65. Once you get nearer to your retirement, we will automatically ensure your money is invested for the short term, making sure it is ready to be taken when you need it.
This process is known as ‘lifestyling’, which really means ‘making appropriate pension investments suitable for your age.’ If you intend to retire earlier or later than 65, you can tell us using the Creative Pension Trust Member Portal. Doing so means we can provide you more accurate projections of the value of your pension pot when you retire and we will optimise the balance of your investments according to your plans.
How do I know the default investment strategy is making the most of my money?
Because most members of Creative Pension Trust rely on us to make investment decisions for them, the Trustees monitor and scrutinise all aspects of the Scheme’s default investment strategy with professional advice and recommendation given to them by their appointed investment advisers.
This ensures your interests as a member are protected and, if any underlying investments are not performing as anticipated, they can be changed without you needing to do anything. Creative Pension Trust invests your money with some of the world’s biggest investment managers and financial institutions, including many market leading household names.
You can find out more in the Investment Guide on the Creative Pension Trust Member Portal.
Making your own investment choices
If you are happy making your own decisions and managing your pension investments yourself, you can choose your own investment funds at any time. We also refer to making your own investment choices as ‘freestyling’, which really means ‘making decisions to meet specific personal requirements’.
Creative Pension Trust offers a range of investment choices from some of the world’s biggest investment managers and financial institutions, including many market leading household names, at very low cost. You can easily switch investments using the Member Portal and there is no cost to switching your investments.
To find out more about your investment choices, you can access the Investment Guide using the Member Portal. You can also select a new fund or combination of different investments quickly and easily.