• Investment choices

Investment choices

Your investment options

Where your money is invested is up to you. There are choices to suit your level of experience with investing and how involved you want to be with managing your investments.

Option 1: Stay in the low-involvement option

Unless you pick another option, this is where your money will be automatically invested when you join the pension. It's a low-involvement option, chosen by Deutsche Bank for those who don't make an active investment choice. You should make sure this is suitable for your particular circumstances.

Option 2: Choose your own funds

If you want more choice about where your money is invested you can choose your own funds or you can choose one of the lifestyle profiles. Lifestyle profiles gradually and automatically move your money into funds that are more appropriate as you approach retirement.

View your investment options

Things to know about investing

Find out more about investing - from how investments work, what funds are and how you can choose between them.

Check and change your investments

You can keep up to date with how your investments are doing - and make any changes - very simply online.

 Important information

As with any investment its value can go down as well as up and may be worth less than what was paid in.

If you need help with choosing your investments, you should seek financial advice. There is likely to be a charge for this. 

Important documents

To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.

This form is used to request for the scheme to pay the Annual Allowance Charge.

Annual Allowance Charge form (PDF, 100KB)

This document explains the features of the pension product your employer has chosen.

Plan summary document (PDF, 70KB)

This document explains the features of the pension product your employer has chosen.

Key features document (PDF, 288KB)

This document provides you with more information on how you can take money from your pension flexibly. For more information on the other options available please see the key features document above.

How Drawdown Works PDF, 211KB

Read this guide for more information on choosing your investment options if you decide to take money from your pension flexibly.

Choosing investment options for a flexible income PDF, 119KB

This document gives you an illustration of what your pension could be worth.

Key features illustration (PDF, 165KB)

This document gives you an illustration of what your one-off payment could be worth when you retire. Read this if you are thinking about participating in the DB FRP Bonus Waiver offer.

DB FRP Key features illustration - Single Transfer (PDF, 191KB)

Read this guide for more information on your investment options, including details about charges and fund codes.

How to choose the right investment options for your pension (PDF, 896KB)

Read this guide for more information about how the DB Flexible Retirement Plan works.

DB Flexible Retirement Plan Handbook (PDF, 541KB)

Read this guide for more information on the different ways you can pay into your pension, and the tax benefits and tax charges which can apply.

Information about tax relief, limits and your pension (PDF, 99KB)

Use this form to nominate any death benefits under the DB Flexible Retirement Plan.

Instruction for payment of death benefits (PDF, 77KB)

Use this form if you'd like to switch from the DB FRP into a Group Self-Invested Personal Pension Plan (GSIPP). More about GSIPP.

Switch form (PDF, 92KB)

Use this form to nominate any death benefits under the DB Group SIPP.

GSIPP - instruction for payment of death benefits (PDF, 77KB)

Want to be more involved?

If you want even more choice about investing your pension savings, or extra retirement options, you might want to convert your plan into a Group Self-Invested Personal Pension (GSIPP)