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Investment pathways

Investment pathways were introduced by the Financial Conduct Authority (FCA) to help improve retirement outcomes for customers who want to flexibly access their pension savings.

Our four investment pathways

Investment pathways are investments solutions designed to meet the needs of clients moving into drawdown. They're monitored by experts at no extra cost to your clients, and fine-tuned on an ongoing basis.

Pathway 1

For clients who have no plans to touch their investment in the next five years. This option aims to deliver growth above inflation for a customer who has no short-term plans to access their savings.

Download factsheet (PDF)  

Pathway 2

For clients who plan to use money to set up an annuity in the next five years. This option aims to achieve a reasonably stable level of annuity income for a customer looking to buy an annuity in the short-term.

Download factsheet (PDF)  

Pathway 3

For clients who plan to take money as a long-term income in the next five years. This option aims to deliver growth above inflation to support sustainable income withdrawal.

Download factsheet (PDF)  

Pathway 4

For clients who plan to take out all their money within the next five years. This option aims to offer the potential for above inflation growth while supporting short term withdrawal needs.

Download factsheet (PDF)  

Investment governance

Good governance is fundamental to our approach. We believe it’s key to delivering consistently good outcomes for investors, and essential in providing confidence for your clients.

Read about our governance approach

Our risk profiler tool

Assess your client's attitude to risk so you can see which investment options might be right for them.

Access risk profiler

Service and support

Online service

Produce quick quotes and manage your client's plan using our online service.​

Explore our pension online service​  

Business Support Unit

We offer expert guidance on the industry's leading third-party advice systems and portals, with support from a dedicated business manager.

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We're here to support you. If you need help, get in touch - you can expect to deal with real people at every stage.​

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