RISK-MANAGED SELF-SELECT FUNDS
Investment choices for your flexible income pot
If you choose our flexible income option (also known as flexible drawdown) to access your pension, the rest of your pension pot stays invested until you take it out.
You can invest your remaining pot [¹] in a way that matches your future plans and how comfortable you are with potential ups and downs in value.
Fund information varies at times so be sure to check the fund fact sheet in the NatWest Cushon app for more details
Capital at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
[¹] You can select from funds, not individual equities or bonds.
Get comfortable with investing
When you first access your pension using our flexible income option, you'll have a choice of how to invest your remaining pot.
You can choose an investment option that suits your plans and comfort with risk. We offer 3 choices in addition to your default investment strategy, each managed to match how much risk you’re willing to take and how you feel about the value of your pot going up or down.
Explore risk-managed self-select funds
Taking less investment risk typically results in a more stable pension pot value, but with limited growth potential. Taking more risk leads to greater ups and downs in value; however, it can offer higher returns over the long term, potentially increasing your pension pot value in the future.
This fund is designed for members seeking a cautious investment approach after first accessing their pension. It aims for greater stability but slower growth than the default option, and is intended for those planning to draw their money over a short timeframe.
This fund is designed for members seeking an adventurous investment approach after first accessing their pension. It aims for greater growth opportunity but lower stability than the default option, and is intended for those planning to draw their money over a long timeframe.
This fund is designed for members seeking a very adventurous investment approach after first accessing their pension. It aims for the greatest growth potential with much lower stability than the default option, and is intended for those not planning to access their pension again soon.
Common questions
You can either continue to invest your remaining pension in the same way or you can choose one of our risk-managed options
Yes, you can change your investments at any time.
Risk Warnings
When you invest, there are always associated risks that you need to be aware of.
Investment risk: This is the risk that the value of your pension may go down as well as up. As with all investments, you may get back less than you paid in. It's important to remember that your pension value can go down as well as up. If you invest using one of our default investment strategies, we will automatically move some of your investments to ones that are considered more cautious as you get closer to your Target Age to help protect the value of your pension from the bigger ups and downs in investment markets. However, we cannot offer any guarantees..
Investment objective risk: This is the risk that an investment fund might not meet its stated objectives, potentially resulting in your savings outcomes not being achieved. Although our investment funds are designed to suit a broad range of investors, this does not guarantee they will be appropriate for your specific savings goals or successfully meet their objectives. It’s important to periodically review your investments to ensure they continue to align with your future plans.
Liquidity risk: This is the risk that some investments cannot be sold as quickly as others. To give your pension the opportunity to grow for the long term, we invest in a range of different types of assets. These include assets known as ‘private market’ investments, which means they are not listed on regulated markets, such as stock exchanges. For example, this may include investments in physical assets like housing, infrastructure, energy production and natural capital. This means some of your pension investments will be less ‘liquid’ than others, meaning they cannot be bought and sold as quickly as traditional investments like stocks and shares. Whilst this makes them suitable for supporting the long-term growth of your pension, it also means there may be, on very limited occasions, a waiting period imposed on cashing in your pension e.g. transferring your pension or taking your pension in one lump sum at short notice.
Financial guidance and advice: Your choice of pension investments can have a big effect on your pot value at retirement. If you are in any doubt about which fund is right for you, you should speak to a financial adviser.
The value of investments can fall as well as rise, and you may get less than the full amount you invest.