If you select the Cheviot Lifeplan, lifestyling happens automatically. If you choose your own investment option, you will still need to think about reducing the risk as you approach retirement. Cheviot does this for you by automatically lifestyling any investments in Growth, Moderate or Cautious into Retirement Planning and Cash in the three years before your Target Retirement Date. There is no life styling in the Low Cost, Cash and Pension Protection options.
You can delay lifestyling by moving your Target Retirement Date to a later date if reducing risk doesn’t fit with your retirement plans.
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.
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