Once you have chosen your investments the final step is to review them on a regular basis. This is especially relevant if you experience a change in your circumstances such as marriage, divorce or if you change the age at which you intend to retire.

If you are invested in one of the Lifestyle options then we will also write to you when you are five years from your Target Retirement Age (TRA) to ask how you intend to take your retirement savings (e.g. as cash, income drawdown, an annuity or a combination of all three). This is to ensure that your savings are appropriately invested as you approach retirement. You can change your investment choices and approach at any time by logging into the secure website.