I'm new to the Scheme
10 things to know about pensions
Nominations for death benefits
Saving more
Pension tax limits
Transferring in or out
The State Pension
Pension scams
Divorce and my pension
Guidance and advice
I'm still working
Joining and auto-enrolment
I'm new to the Scheme
Benefits of my membership
My payments
Saving more
My circumstances have changed
Severance and redundancy
Leaving the Scheme and opting-out
I'm planning to take my pension
How much I'll need for retirement
When to retire
Staying in work
Ways to take my pension
Making the right decision
Applying for my pension
Transferring my pension
Guidance and advice
Watch out for pension scams
I'm already taking my pension
My pension payments and P60s
Annual pension increase
Updating my bank details
My pension when I die
Working after I take my pension
The State Pension
Useful contacts
Penfriend
Saving more with BRASS or AVC Extra
I'm still working
Joining and auto-enrolment
I'm new to the Scheme
How the IWDC Section works
Benefits of my membership
My payments
Saving more
My circumstances have changed
Severance and redundancy
Leaving the Scheme and opting out
Managing my investments
Investing: the basics I need to know
My fund choices
Fund risk ratings
Fund prices and performance
My Target Retirement Age
I'm planning to take my IWDC pot
Help and Support
Retirement Budgeting Calculator
Read as You Need guides
Video library
Glossary
FAQs
DB member forms
IWDC member forms
Get in touch
Reporting the death of an RPS member
How to give us feedback or make a complaint
My communication preferences
Financial wellness support
Pension webinars
News and views
About the Scheme
Investments
As a member of the IWDC Section, the money you pay into your pension is invested in funds. It's very important to choose the funds that you feel are right for you. You should think about the objective of each fund and it's risk rating, and consider your own retirement goals.
The information in the sections below will help you understand more about how investments work, the choices available to you, and what to consider before making any decisions.
Discover how investments work and why they matter to you...
Learn more about different investment options available to you as a member of the IWDC Section.
Your Target Retirement Age (TRA) is the age you plan to take your IWDC pot. You should set a TRA if you invest in a Lifestyle strategy so your funds are switched at the right time.
See how the investment funds are performing and think about whether they're still right for you.
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Each of Railpen Limited (registered in England and Wales No. 2315380) and Railway Pension Investments Limited (RPIL) (Registered in England and Wales No. 1491097) is a wholly owned subsidiary of Railways Pension Trustee Company Limited (Registered in England and Wales No. 2934539). Registered office for each company: 100 Liverpool Street, London EC2M 2AT. RPIL is authorised and regulated by the Financial Conduct Authority for some of its activities. The administration of occupational pension schemes is not a regulated activity. Full details about the extent of RPIL's authorisation and regulation by the Financial Conduct Authority are available from us on request.
