Where is my individual account invested?

When you save with the Sky Pension Plan, your payments (and those from Sky) are put into your retirement account and invested with the aim of growing until it’s time to retire. So how your retirement account is invested plays an important part in how much money you will have to retire on.

One size doesn’t fit all when it comes to investment, so you need to take time to consider which investment choice works best for you and your savings goals.

When you first join the Plan, you need to think about where to invest your individual account. To help you, the Plan offers four investment options - 3 Lifestyle strategies and a Freestyle option. Which you choose depends on how involved you want to be with your investments, how you want to take your individual account at retirement, and how you feel about risk.

How active do you want to be when it comes to your investments?

Think about how much you want to monitor and update your investment choices.

Not very active
If you’re happy to sit back and let your investments follow a pre-set path (default), one of the three Lifestyle strategies might match your style. These strategies provide a ready-made mix of investments that automatically change as you near retirement.

You need to make sure you understand which Lifestyle strategy would work best for how you plan to take your individual account. And you need to think again if your plans change.

Very active - I’ll choose my own investments
The Freestyle option might suit you. You choose from a range of 13 funds and manage them yourself.

Please note: the whole of your individual account must be invested in either one of the Lifestyle strategies or in the Freestyle option. You can’t mix and match.

What do you want to do with your money at retirement?

You have freedom and choice in how you can use your individual account at retirement. The Lifestyle strategies reflect these choices.

Find out more about the three Lifestyle strategies.

Remember you can also choose the Freestyle option, which doesn’t target a specific way of taking your individual account at retirement.

How do you feel about risk?

Investing involves risk. The amount of risk you are comfortable taking depends on how you feel about risk, your investment knowledge and your personal circumstances. Find out about the different types of risk here.

If you don’t make an investment choice, you’ll automatically be invested in the default strategy - the Cash Lifestyle strategy.

Find out more about the Lifestyle strategy.

Find out more about the Freestyle strategy.