We use an integrated investment approach
It's all about helping members to save for the future. Unless members want to be more hands on with their pension savings, we open each Smart Pension account with a straightforward investment strategy - investing the contributions in a mix of funds that take appropriate levels of risk, depending on when you're due to retire.
This investment strategy suits most members for the long term. It lets us manage their savings, moving the money into lower risk funds as retirement nears. Members may also choose a mix of investments from any of our 17 funds, at any time. Updates on performance are available, 24 hours a day.
The funds we use are managed by fund managers from Legal & General Investment Management, J P Morgan and HSBC. The trustees keep a close eye on all of our fund managers to make sure members' savings are invested responsibly and kept secure.