Investment Options and Selection

The investment performance of your pension fund directly affects the value of your benefits at retirement so it is important that you consider carefully your investment decisions taking account of your:

  • Attitude to investment risk
  • Length of time to retirement
  • Retirement goals and objectives
  • Personal circumstances and requirements

Investment Options

The Occupational Retirement Plan provides access to a broad range of investment funds managed by Threadneedle Asset Management (TAM) together with an expanding number of external fund managers covering the major investment markets.

You have the option to invest your pension fund into either a Pre-Set Investment Strategy or on a Self-Select basis from the full range of investment funds available.

Please note that it is not possible to split the investment of your pension fund between the Pre-Set Investment Strategy and Self-Select option.

Rossborough Financial can advise you on the investment options available and which is best suited to you based on your attitude to investment risk, personal circumstances and objectives.

Pre-Set Investment Strategy

The Pre-Set Investment Strategy is designed to meet the investment requirements of a typical person saving for retirement who does not want the responsibility of making ongoing investment decisions.

The objective of the strategy is to maximise the opportunity for investment growth by investing in a diversified range of assets including UK and international equities, fixed interest securities, property and cash.

When you are ten years from retirement the strategy gradually switches the investment allocation of the funds accrued in your Plan to 'lower risk' funds.

Under the Pre-Set Investment Strategy the automated phased switching of your pension fund will commence 120 months from your selected retirement age.

Avialable Options at Retirement

The Pre-Set Investment Strategy invests in these asset classes via the Zurich Managed, UK Preference and Fixed Interest and BlackRock Sterling Liquidity (Money Market) Funds. Please refer to the Rossborough Pension Solutions Investment Guide for more details.

Please note - this Strategy is not intended to offer the lowest 'investment risk' as the investment returns and value of the underlying funds in which the Strategy invests will fluctuate in line with market movements.

Self-Select Option

If you wish to actively participate in the initial selection and ongoing investment of your pension fund you can choose from the range of risk graded investment funds managed by TAM together with a number of leading managed funds.

You can decide into which investment funds and in what proportion your pension fund is invested with the option to change your decision at any time and without charge.

A full list of the investment funds available through The Occupational Retirement Plan is shown here.

Please also refer to the Rossborough Pension Solutions Investment Guide for further details of each fund's performance, risk rating and investment objective.

Changing Your Investment Instructions

You can alter the investment allocation of your pension fund at any time without charge. To change your investment instructions you simply complete a 'Switch Instruction Form' and return it to Rossborough Financial who will instruct Zurich Assurance Limited to implement the switch.

Switch Instructions

Switch instructions will normally be concluded within five working days from receipt of the instruction and you will be able to view the completed switch on-line.

Please contact us if you require a 'Switch Instruction Form'. 

The information in the links below explains how The Occupational Retirement Plan works and the options available to you at retirement.

Options at Retirement

Monitoring your Pension
Leaving Service Options
Death Benefits
Plan Charges

Contact us

Rossborough Financial Services Limited

Email: enquiries@rfsl.co.uk

Jersey

Phone: 01534 500662
Fax: 01534 732262

PO Box 332, 41 La Motte Street
St Helier, Jersey JE4 9YA

Guernsey

Phone: 01481 241534
Fax: 01481 241535

PO Box 127, Rossborough House
Bulwer Avenue, St Sampsons 
Guernsey GY1 3HG

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