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Cheviot's
Investment Options

If you want to choose your own investment option, you can select the options which suit you best. Most of the options target returns above inflation. To help your investment keep pace with increases in the cost of living, we use the Consumer Prices Index (or CPI) as a measure of inflation.

Our objective is to provide good returns but also to avoid any major falls in value to provide more stable returns over the long run than investing passively in the markets. We set long term targets against inflation. Other schemes may target returns relative to the market. Market returns may not necessarily deliver good outcomes for members because your savings need to keep up with inflation to maintain their real value to you.


You can split your fund between different options if you want to. The range of investment options available are:

Lifeplan options:

Growth Option

The objective for this fund is to provide long term growth. It is aimed at 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 31 March 2018
**Fund launched Nov 2014
°Annualised Return

Qtr 1*

1 year

3 years°

5 years**

5

10

15

20

-3.8

1.2

4.3

7.0

7.3

6.2

8.4

5.9

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

For members who want good returns but balanced with more stability - so expect lower returns than Growth but with less fluctuation in returns.

High Risk Rating

Long Term

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

Find Out More Close

*As at 31 March 2018
**Fund launched Nov 2014

°Annualised Return

Qtr 1*

1 year

3 years°

5 years**

5

10

15

20

-3.0

0.9

3.4

6.0

6.4

5.2

7.4

4.9

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.

Cautious Option

The objective for this fund is to reduce the risk of falls in the value of investments but with some long term growth. It is aimed at members investing for the medium term who want stability with some growth.

Above Average Risk Rating

Long Term

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

*As at 31 March 2018
**Fund launched Nov 2014

°Annualised Return

Qtr 1*

1 year

3 years°

5 years**

5

10

15

20

-2.0

0.7

2.2

5.0

5.8

4.2

7.2

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

The objective for this fund is to provide some protection against inflation with limited additional long term growth. It is suitable for members investing for the medium term who want to protect the value of their fund with some potential for growth.

Average Risk Rating

Medium Term

Long Term Target:
CPI +1-1.5%, after charges

*As at 31 March 2018

**Fund Launched Nov 2014

Qtr 1*

1 year

3 years**

5 years**

5

10

15

20

-1.1

0.4

1.9

3.7

5.7

3.0

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.

Self select options:

Low Cost Option

The objective for this fund is to target the same returns as the Cautious Option with a similar risk rating to the Moderate Option for a lower fee. All returns are shown after charges.

High Risk Rating

Long Term

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

Cash Option

The objective for this fund is to protect the value of the fund in cash terms. It is suitable for members investing for the short term who intend to take part or all of their fund in cash. Given current low interest rates, this option may produce slightly negative returns after charges.

Lower Than Average Risk Rating

Short Term

Target Return:
Seven Day Sterling LIBID, after charges

*As at 31 March 2018

**Fund Launched Nov 2014

Qtr 1*

1 year

3 years**

5 years**

5

10

15

20

0.0

0.0

0.1

-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.

Pension Protection Option

The objective for this fund is to reduce the impact of changes in interest rates on the value of the secure pension income (an annuity) that members can buy. It is suitable for members intending to buy a secure pension income in the short term.

Low Risk Rating

Short Term

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

*As at 31 March 2018

**Fund Launched Nov 2014

Qtr 1*

1 year

3 years**

5 years**

5

10

15

20

0.9

1.3

1.1

1.6

5.4

5.5

N/A

N/A

Pension Protection

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.

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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