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Open a pension and we'll help you save and invest

Multi-index funds spread your savings across different investment types so you don’t have to.

All you need to do is choose your level of risk. Our investment experts will do the rest to try and get the most out of your money.

Please read our key features for more information.

A tailored fit

Find a fund to suit you

Your preferred level of risk can have a big impact on your savings. Our five funds offer a different balance of risk and potential reward. Invest in the one that could deliver the level of savings you want in retirement.

Choose your risk level

How to use this tool: Select a risk level from the following buttons. The fund information will then display below and you may invest in that fund if you wish.

Understanding risk

Choose your risk level

What are the costs to invest?

0.25% service charge + 0.31% fund management charge deducted annually from your total investment.

How it works


  • Select your fund

    Your attitude to risk is unique to you. See what matches your comfort level and invest from £100 this tax year.
  • Open your personal pension

    Complete the quick sign up process and that's it, your money will be invested within one working day.
  • Manage your money easily online

    Use your online account to check investment performance, view important documents and more.

What we do for you

  • Proactive investment management

    Our expert fund managers optimise your fund and adjust to any market changes, aiming to maximise results while maintaining your risk level.

  • Focus on the future

    Your returns are reinvested so the value stays in your pension and helps the total grow even more.

  • Help and support

    Whatever you need, our award-winning customer service team is here. You can email or speak to our UK call centre, or find most answers in our FAQs.

Potential benefits of multi-index funds

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Strike the right balance of risk and reward

From more security but lower potential returns to high returns but more uncertainty, our funds all have different risk levels. Choose what's best for you. You can change it later if you want to.

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Deep diversification

You don't have to put all your eggs in one basket. Our multi-index funds can offer higher returns with lower risk by spreading your investments across numerous industries and markets too, compounding the value to grow your savings even more.

Meet the team

Our investment professionals manage over one trillion, with more than £41 billion in multi asset funds (as at 30 June 2018).

Your 4 dedicated fund managers plus 25 investment specialists work to deliver your returns and offer you full support.

Image of Justin Onuekwusi

Justin Onuekwusi

Fund manager
15 years' experience
Image of Andrzej Pioch

Andrzej Pioch

Fund manager
9 years' experience
Image of Bruce White

Bruce White

Fund manager
21 years' experience
Image Of Martin Dietz

Martin Dietz

Fund manager
17 years' experience


  • Our multi index funds offer different risk levels. It's important to make sure you're comfortable with the risk of the fund you select. Please read this on understanding risk before you invest.
  • The value of your funds can go down as well as up. Each fund has its own risks, detailed in the KIID.