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 may have been 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.

 Fund 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 have the time, knowledge, or confidence to move your investments into options designed to prepare your money for how you plan to take it as you get closer to your Selected Retirement Date

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 with this option

  • 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.

  • Plan rebate

    0.77%

    Your employer has arranged this for you. You will still benefit from it even if you leave your job.

  • 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.

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  Fund Guide (PDF 896KB).

Choosing your own investments

There are investment options to suit all levels of knowledge and experience. What's right for you will depend on a number of things, including your age, circumstances, how you feel about risk and how much money you can or should invest. If you decide to change, it's important to make sure it's the right choice for you.

You can log in  to your account to make a fund switch at any time. You'll find a range of investment guides and a risk tool to help you decide what option might be right for you.

Or you can read the  Fund Guide (PDF 896KB) for more information about the different funds you can choose from, including with-profits and potential charges. Remember to regularly review your choices, especially if your circumstances change.

As a member of the DB Flexible Retirement Plan you also have access to the following funds which are not shown on our UK website:

Explore investments

You can log in to myDBPension Hub  to manage your pension plan. You can make changes to your plan, and find guides and videos that will help you understand your investments.

Log in to manage your investments