The full range

What is it?

If you want more choice about where to invest your money, then choosing from the full range could be for you. You don't have to be an investment expert. There are choices to suit your level of experience and how involved you want to be.

The full range gives you a choice of funds - and ranges of funds - covering all the main asset classes. It also gives you access to markets across the world.

Your options when choosing from the full range

You can choose a lifestyle profile or strategic lifestyle profile if you want an option that will automatically prepare your pension savings for retirement. Or you can choose a risk-based option from the range of risk-based funds.

But you may prefer to pick from the full range of individual funds and build your own investment portfolio to suit your needs.

You'll find a summary of all your options in the How to choose the right investment options for your pension guide (PDF, 896KB).

If you decide to pick your own funds from the full range, you should think about spreading your risk by investing in a variety of asset classes – and a range of investments in each asset class.

It's also very important to make your selection based on your individual needs and attitude to risk.

It will be up to you to keep checking the performance of your investments and to decide if you need to make changes. You may need to update your portfolio regularly to keep on track and in line with your attitude to risk.

Choosing from the full range could be a good option if:

  • You have a good understanding of investments and different types of assets
  • You want full control over selecting the funds you invest in
  • You are comfortable monitoring your own investments and adjusting them as your circumstances change

You'll find more information about all the funds in our full range, including fund factsheets on our UK website.

Things to be aware of

  • You can change the mix of your investments as it suits you, but you can’t invest in more than 12 funds at one time, or in a lifestyle profile and individual funds at the same time
  • Before you choose an investment option, make sure you understand its aims and risks
  • As with any investment, the value of your investment choice can go down as well as up, and may be worth less than what was paid in

Not sure what to do?

Remember, any choices you make now can be changed - so you’re not committing yourself forever.

If you’re not sure which options are appropriate for you, you should seek financial advice. There is likely to be a cost for this. 

So, what next?

Get more information

You can access more information on our funds, including details of past performance and fund fact sheets, on Standard Life's website.

Need help choosing funds?

We’ve got the information to help you work out if your money is in the right place.

Check or change your investments

 

It's easy to find out where your money is invested - and to make changes to your investments.

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)