Lifestyle strategies

With a lifestyle strategy, your investment switches are managed for you.

Your holdings are automatically moved into the funds considered most appropriate, based on the time left until you want to take your pension benefits.

You can take your benefits at your section's Normal Retirement Age, or you may want to take them either earlier or later. If this is the case, think about choosing your Target Retirement Age (TRA). Log in or register for my RPS to update your TRA. 

Target Retirement Age 

As you get nearer to your TRA, your funds will automatically start moving from 'higher growth' riskier funds to more 'stable' lower risk funds.

Different strategies 

Check out the Lifestyle strategies below to see how they work -- you don't have to choose one at this stage.

Please remember...

  • It is recommended that you get independent advice before making decisions about your financial future. You can find a list of regulated advisers in your area on at  unbiased.
  • Investment values may go down as well as up, and past performance shouldn't be used as a benchmark for future returns.
  • Make sure your current funds are right for you. You can view and change your choices in myRPS.