Investment choice
Your pension plan is invested with the intention of making your pot grow over the long term. But remember, like any investment its value can go down as well as up, you could even get back less than was paid in.
Take time to understand your options, so you can make the right choices for you. You can check where you are currently invested on your online account or via the mobile app.
Investing made easy
By default, the money in your pension plan will be invested in the low-involvement option: Standard Life Balanced Managed II Universal Lifestyle Profile. This has been chosen by Deutsche Bank and their adviser as a good option for most people in the company.
Lifestyle Profiles guide (PDF 896KB)
This option may be right for you if:
- You're happy for someone else to make your investment choices on your behalf
- You don’t want to worry about moving your investments around as you approach retirement
- You are happy with investment experts managing your money on your behalf
Your money will stay invested in this option unless you decide to change where you invest. You should review this option to check it's right for you.
What you'll pay if you invest in the selected option
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Charges
1.02%
Charges displayed are for the fund used in the growth stage of the profile and are made up of the Fund Management Charge and any Additional Expenses.
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Plan rebate
0.77%
Your employer has arranged this for you. You will still benefit from it even if you leave your job.
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What you pay
0.25%
This is the effective total annual fund charge you'd pay if your plan was invested in the growth stage of the default option.
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This information is correct as at June 2022. Charges and rebates may change in the future. The figures shown above reflect the charges for the fund used in the growth stage of this lifestyle profile. There may be other funds in the profile that are more expensive. For more information please read your Lifestyle Profiles guide (PDF 896KB)
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Choosing your own investments
You can choose from a range of investment options if you want to change from the low-involvement option. The right option for you will depend on various factors, such as your circumstances, experience of investing and attitude to risk.
You can log in to your account to make a fund switch after you've made your first payment into the plan. You’ll find a range of investment guides and a risk tool that could help you decide which option might be right for you. However, there are other factors you should consider, like when you plan to retire and the type of investments you are comfortable with.
Or if you want to get a head start, you can read the Fund guide for more information about the different funds you can choose from and potential charges. Remember to regularly review your choices, especially if your circumstances change.
As a member of the DB Personal Pension Plan you also have access to the following funds which are not shown on our UK website:
Want more investment choice? Upgrade to a GSIPP
You may be able to move to a different type of pension - a Group Self Invested Personal Pension (GSIPP). This would give you even more choice over how you invest your pension money since you'll get access to invest in stocks & shares, a wide range of mutual funds, as well as all of Standard Life's pension funds.