You have a number of investment funds in which to choose to invest your own contributions and the contributions your Employer makes on your behalf. You may do this by completing an Investment Option Form (found in the document library).

The funds give you access to the four major asset classes (shares, Government and company bonds, property and cash) and range from cautious risk to high risk.

If you do not make an active investment choice, then your contributions, and those made on your behalf by your Employer, will by default be invested in the Drawdown Lifestyle Fund, with a selected retirement age of 65. This invests across a range of investments according to the period to your retirement

Details of the funds including the Lifestyle Funds can be viewed by selecting the fund name listed on the left hand side of the page.

What you do with your pension is an important decision. Therefore, we strongly recommend that you fully understand the options available to you.  You may wish to speak to a financial adviser.  A list of Financial Advisers, can be found on the IFA Promotions website: www.unbiased.co.uk 

If you are still unsure alternatively, The Money and Pensions Service, the Government's new financial guidance service, providing a free impartial service to help you understand your options at retirement. You will be able to access the service online, over the telephone and face to face. Further details are now available at www.gov.uk/pensionwise.

Please note that ITB Fund staff members are not permitted to give you financial advice.

To find out more information about the funds referred to and the risk and return associated with the different investments please refer to the Fund Factsheets. 

Legal & General : Your Investment Range:

https://fundcentres.lgim.com/uk/workplace-employee/fund-centre/#Product=WorkSave-Pension-Trust

Please note that the value of your investment can go down as well as up.