Decide how your money is invested

This fund carries a higher risk of fluctuation to your savings but has the potential for high growth, though this is not guaranteed.

This fund has been created so that it will typically suit most our members, it has the medium level of risk of these funds.

This fund carries the lowest risk of loss but also reduced likelihood of a high return, but it may be suitable if you are concerned about volatility.

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like a lower level of volatility than the Smart growth

This fund has been created so that it will typically suit most of our members who are approaching their target retirement age and would like an even lower level of volatility than the Smart growth funds and the de-risking fund.

The Smart UK FTSE 100 Equity Index Fund tries to track the return of the FTSE 100 Index, which contains the largest listed companies on the UK stock market.

It's a high risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart World (ex UK) Developed Equity Index Fund tries to track the performance of the FTSE Developed (ex UK) Index. That provides broad exposure to large and mid-cap companies in the developed world, but it excludes UK companies.

It's a high risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart North America Equity Index Fund tries to track the return of the FTSE USA Index. That index provides broad exposure to companies in the North American equity market.

It's a high risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart World Emerging Markets Equity Index Fund tries to track the track the return of the FTSE All-World Emerging Index. That provides access to key emerging economies including Brazil, Russia, India and China.

It's the highest risk fund we offer. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart All Stocks Index - Linked Gilts Index Fund tries to track the return of the FTSE Actuaries British Government Index - Linked All Stocks Index. That Index features UK government bonds with returns linked to the Retail Price Index (RPI).

It's a higher risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart Overseas Bond Index Fund (GBP Hedged) is a fund that invests in different types of bonds. These include corporate and government bonds in the UK and overseas.

It's not the lowest risk fund but it is lower risk. It tries to protect your capital but still give you opportunities for growth in the long term.

The Smart Cash Fund tries to maintain your capital and give you a return that's in-line with money market rates. It tries to do this by investing in a range of money market securities denominated in sterling.

It's not the lowest risk fund but it is lower risk. It tries to protect your capital but still give you opportunities for growth in the long term.

The Smart Ethical Global Equity Index Fund tries to track a filtered index, which excludes companies that operate in industries breaching certain ethical criteria.

It's a higher risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart Sharia Fund tries to create long term appreciation of capital by investing in a diversified portfolio of securities that meet Islamic investment principles.

It's a higher risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart Income Fund tries to give you long-term investment growth up to and during retirement, to facilitate the drawdown of retirement income.

It's a higher risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.

The Smart Annuity Fund tries to invest in a way that matches the characteristics of investments underlying the pricing of a typical non-inflation linked annuity.

It's a higher risk fund that tries to give you more growth in the long term. Your savings will be exposed to higher levels of risk in the process, but it's not the highest level of risk you could take.

The Smart Future Fund tries to replicate the asset allocation, performance, and risk profile of our default fund. It includes other criteria that revalue the weighting of each investment depending on Environmental, Social, and Governance scores.

It's a higher risk fund. It tries to give you more growth in the long term but your savings will be exposed to higher levels of risk in the process.