The Aegon Master Trust offers a comprehensive investment range, where most funds consider responsible investment factors. All the funds we offer are backed by robust governance, to help ensure we meet our Funds Promise commitments.
The investments available through the Aegon Master Trust have been carefully selected by the trustees with help from independent investment advisers Isio.
There are two ways to invest:
Do it for me
If you don't choose your own investment you'll be automatically invested in the scheme's default fund: Aegon BlackRock LifePath Flexi.
Leave it with me
If you want to choose investments tailored to your needs, there are around 30 funds available to select.
The value of investments may go down as well as up and you may get back less than you invest. There's no guarantee that fund objectives will be met.
Do it for me
If you don't choose your own investment you'll automatically be invested in the scheme's default fund, the Aegon BlackRock LifePath Flexi fund.
The trustees have selected this fund as the scheme default because they believe it best fits the needs of the average scheme member, but it may not be the right fit for you.
It's designed to meet savers changing needs, from when they join the scheme right through to retirement. The mix of investments it holds is adjusted over time, focusing on growing savings when you're young and gradually moving to investments that help to protect your wealth as you approach retirement.
Leave it with me
If you want to make your own investment choice, there are 28 funds you can use to build your own investment portfolio. Most of these funds take responsible investment factors into account, so you can invest in line with your values.
Alternative Aegon LifePath options
In addition to Aegon BlackRock LifePath Flexi, the fund range includes two other LifePath strategies. Aegon BlackRock LifePath Retirement, designed for scheme members who want to buy an annuity (a guaranteed income for life) when they retire, and Aegon BlackRock LifePath Capital, designed for those looking to cash in their pension savings on retirement.
This provides alternatives for members who like the idea of a fund that will manage their investment mix throughout their career, but would like the option to take their retirement income in a different way.
Wider choice
You can also access around 25 other funds. This includes funds that invest in different types of investment (such as shares, bonds and cash), and those that invest in different countries. This means you can build a portfolio of investments suited to your own circumstances.
Need help choosing?
If you feel you need help choosing, you may want to talk to a financial adviser, who can help design an investment strategy that is specific to your needs. If you don’t have one already, you can find one at MoneyHelper. There may be a charge for this.
MoneyHelper gives free and impartial guidance to help make your money and pension choices clearer.
