The investment options, which are covered more fully within the Member Investment Guide allow you to choose either of the following options:
“Do It For Me” which is the default option
Do it for me is designed for those who:
Do not feel comfortable making regular investment decisions.
Do not want to review their investment selection regularly as they approach retirement.
Would prefer to select an automated approach that switches their funds for them into less risky funds (like bonds and cash) as they approach retirement as follows:
|Growth Phase||more than 20 years from retirement||High Risk/Return Growth Strategy|
|Transition Phase||between 6 and 20 years before retirement||Medium Risk/Return Growth Strategy|
|Consolidation Phase||last 6 years before retirement|
“Do It Myself” which allows you to take control of your investment choices
Do it myself is designed for those who:
Want greater control over their pension investments.
Understand investment decision making and are comfortable with the idea of selecting investment funds.
Are happy to review their investment approach regularly, taking particular care as they approach retirement.
Want access to specific investments.
Know how they would like to take their benefits at retirement (cash, pension, ARF).
Links to the factsheets for the different funds are provided below: