Why most platforms don’t make investing easy.
Most investment platforms offer hundreds of funds and leave you to figure it out. That works if you’re already confident with investing - but for most people, it creates exactly the kind of overwhelm that stops them engaging.
You choose your fund when you set up your Chest pension. Switch later at any time (subject to dealing and processing times). Each fund has a different level of risk, so you can pick one that fits your comfort level and your time horizon until retirement.
| Fund | Type | OCF | Description / Risk Level |
|---|---|---|---|
| Global Equity FundL&G Global Equity Index Fund | Core | 0.08% | 100% equities, tracks global stock markets. High short-term volatility, strong long-term growth potential. |
| Mixed Equity-Led FundL&G Multi-Index 6 Fund | Core | 0.24% | Diversified mix, mostly equities. Moderate volatility with balanced growth potential. |
| Diversified FundL&G Multi-Index 4 Fund | Core | 0.24% | Balanced mix of equities, bonds, and other assets. Lower volatility — suited for a steadier growth path. |
| ESG Global Equity FundL&G Future World ESG Tilted & Optimised Developed Index Fund | ESG | 0.15% | Global equities with ESG tilt toward stronger-rated companies. Higher volatility, strong growth potential. |
| ESG Mixed Equity-Led FundL&G Future World ESG Screened & Selected Multi-Index 6 Fund | ESG | 0.29% | Diversified, equity-led with ESG screening across asset classes. Moderate volatility. |
| ESG Diversified FundL&G Future World ESG Screened & Selected Multi-Index 4 Fund | ESG | 0.29% | Balanced mix of assets with ESG screening. Lower volatility, suitable for steady growth. |
Fees are subject to change and we’ll notify you in advance of any changes. Capital is at risk when investing. The value of your pension can go down as well as up.
OCFs are current and may change. Capital is at risk when investing. The value of your pension can go down as well as up. Past performance is not a reliable indicator of future results. ESG criteria may limit the investments available and performance may differ from non-ESG equivalents. This information is for general information only and does not constitute financial advice. If you are unsure which fund is suitable, please seek independent financial advice.
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