OverviewThe Drawdown Lifestyle (the default investment)
Watch this video to see how the Drawdown Lifestyle - the Plan's default investment - works.
About your BNP Paribas pension
Moving a pension What happens if you leave BNP Paribas? What happens to my pension when I die?
About your pension
Managing your pension
Managing your pension
Moving a pension What happens if you leave BNP Paribas? What happens to my pension when I die?
Who manages your pension?
Your investment options
As a member of a workplace pension plan, you are an investor. As an investor, you can choose from the various investment options available under the BNP Paribas Pension, where your contributions and savings are invested.
The default investment and other lifestyle strategies
When you joined the BNP Paribas Pension, your contributions were initially invested for you in the Plan’s default investment - the Drawdown Lifestyle.
The Drawdown Lifestyle is a lifestyle strategy type of investment that changes the way your savings are invested as you get closer to retirement. There are also two other lifestyle strategies available to you under the Plan too.
Watch the videos below to understand how these lifestyle strategies change your investments as you get nearer to your retirement date and the costs to you as an investor.
The Annuity Lifestyle
Watch this video to see how investments change in the Annuity Lifestyle.
The Cash Lifestyle
Watch this video for more information on the Cash Lifestyle.
Choosing your own investments
You are free to choose your own selection of funds through the ‘self-select’ option which means you will be responsible for choosing and managing your own investments.
Please remember, that if you're not sure what investments are most suitable for your retirement plans, you should consider taking authorised financial advice.
How your workplace pension is invested
The way your pension is invested can have an impact on your retirement savings, so it’s important that you understand how it works.
Your Investment Choices Guide
Click below for information on the investment options available to you in the BNP Paribas Investment Choices Guide.
The fund factsheets
Each investment option has a fund factsheet on PlanViewer which contains detailed information such as the investment objective, risk rating and costs to you as an investor.
What's the difference between the default investment and the self-select funds?
The default investment, the Drawdown Lifestyle is the 'hands-off' way of investing where the decisions are made for you.
But if you want more involvement with where your pension savings are invested, you can choose the funds yourself, from the range available through the BNP Paribas Pension.
This is called ‘self-select’ and it allows you to tailor an investment strategy to your particular long-term goals. Each investment fund has its own factsheet, and you always have the option of asking a financial adviser to help you choose if you are unsure of the best options for you and your individual circumstances.
Watch this video for more information on the differences between the default investment and self-select options.
Investing basics
Find out more about investing in assets, diversification and risk.
Your investment options
Find out more about different strategies and ways to invest in funds.
Costs and charges on your investment
The Government and Regulators have been conducting a review into the transparency of costs and charges for investors, and have introduced legislation to make these costs more visible.
Understand the costs associated with your current investment strategy and how this may affect your pension value.