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Self select
Investment Options

You can make your own investment decisions by selecting one or more of the Cheviot options. You are able to move your fund between options and one transfer a year is free.

By choosing your Cheviot option, you can take into account other investments you may have, including other pension schemes. It is your responsibility to review your investment choices and decide which option, or options, is right for you. This is especially important in the few years before you retire as your fund will not be moved to lower risk options to help to protect its value. You may need to change your investment options [link to investment form] if you want to reduce risk.

You can choose from the following range of options. The risk rating is assessed on a scale of 1-6 with 6 being the most risky. The more risk you take, the higher the potential return but you may also experience more fluctuations in value. All options can go down as well as up. You can split your fund between different investment options.


Growth Option

This option is designed for members who are investing for the long term and are prepared to accept some fluctuations in returns in order to maximise growth.

Very High Risk Rating

Long Term

Long Term Target:
CPI +4-5%, after charges

*As at 30 September 2018
**Fund launched Nov 2014
°Annualised Return

Qtr 3*

1 year

3 years°

5 years**

5

10

15

20

3.4

1.9

8.0

6.9

13.9

6.6

9.6

6.0

Growth

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.

Moderate Option

This option is designed for members who are prepared to accept a moderate degree of risk to achieve returns and require more stability over the long term.

High Risk Rating

Long Term

Long Term Target:
CPI +3-4%, after charges

Find Out More Close

*As at 30 September 2018
**Fund launched Nov 2014

°Annualised Return

Qtr 3*

1 year

3 years°

5 years**

5

10

15

20

2.3

1.6

5.7

5.9

11.3

5.6

8.3

5.0

Moderate

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.

Low Cost Option

This option is designed for members who are prepared to accept some degree of risk to achieve returns and are less concerned about stability over the long term.

High Risk Rating

Long Term

Long Term Target:
CPI +2-3%, after charges

Cautious Option

This option is designed for members investing for the medium term who want stability with some growth.

Above Average Risk Rating

Medium Term

Long Term Target:
CPI +2-3%, after charges

*As at 30 September 2018
**Fund launched Nov 2014

°Annualised Return

Qtr 3*

1 year

3 years°

5 years**

5

10

15

20

0.5

1.4

3.4

4.9

8.7

9.3

7.7

4.0

Cautious

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.

Retirement Planning Option

This option is designed for members investing for the medium term who want stability with some limited potential for growth.

Average Risk Rating

Medium Term

Long Term Target:
CPI +1-2%, after charges

*As at 30 September 2018

**Fund Launched Nov 2014

Qtr 3*

1 year

3 years**

5 years**

5

10

15

20

-0.3

1.1

2.8

3.7

7.5

3.3

N/A

N/A

Retirement Planning

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.

Cash Option

This option is designed for members investing in the short term who intend to take part or all of their pensions savings in cash. This option may provide slightly negative returns after charges when interest rates are low.

Lower Than Average Risk Rating

Short Term

Target Return:
Seven Day Sterling LIBID, after charges

*As at 30 September 2018

**Fund Launched Nov 2014

Qtr 3*

1 year

3 years**

5 years**

5

10

15

20

0.1

0.1

0.2

0.1

0.2

0.0

N/A

N/A

Cash

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.

Annuity Planning

The option is designed for members intending to purchase a secure pension income, an annuity, in the short term.

Low Risk Rating

Short Term

Target Return:
FTSE over 15 Year Gilt Index, after charges

*As at 30 September 2018

**Fund Launched Nov 2014

Qtr 2*

1 year

3 years**

5 years**

5

10

15

20

0.3

-3.4

1.2

0.7

4.9

4.7

N/A

N/A

Annuity planning

Long Term Target

This fact sheet is for information only and should not be considered as financial advice.

The information shown relates to the past. Past performance is not a reliable guide to the future. All funds can go down as well as up. Both the long term target and actual fund performance are shown AFTER charges.


What happens at retirement?

Your fund will remain in the investment option(s) you selected. You can take your benefits as a secure income (annuity), cash, either in a lump sum or as a flexible income over a period of years. Click here for more information.

What happens if my retirement plans change?

We understand that your attitude to risk may change as you get older and that your plans for retirement may change for a number of reasons. You can therefore ask us to change your investment options at any time, both for your future contributions and for part or all of your existing account. One switch is free per year; more switches may incur additional charges.

The information on this page does not represent financial advice and the Trustee strongly recommends that members take independent financial advice in connection with decisions relating to their pension fund.

for investment approach guidance call us today: 01702 354024

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