Approach

A new approach to investing, for a new type of saver

NEST's investment approach is based on a detailed understanding of the needs of our members.

We provide a range of NEST Retirement Date Funds which follow a target date structure. They are designed to invest a member's money in the best way for them, based on the year they plan to take their money out.

This approach aims to invest with our focus on our members' risk profiles at every stage of their time saving with NEST from enrolment, through to when they take their money out of NEST.

You can view our adviser fund factsheets by clicking on the links below. For funds in the Foundation and Growth phases, we've provided two versions.

Version A provides more detail on investment risk and return. Version B offers more information on the breakdown of different asset classes.

NEST 2055 Retirement Fund version A

NEST 2055 Retirement Fund version B

NEST 2040 Retirement Fund version A

NEST 2040 Retirement Fund version B

NEST 2021 Retirement Fund version A

NEST 2021 Retirement Fund version B

NEST 2013 Retirement Fund

We'll be updating these quarterly.

Other fund choices

NEST Retirement Date Funds are designed to suit the needs of most of our members. However, we offer some other funds for members who have certain preferences about how we invest their money.

How does NEST invest for its members?

Many of our members will not have saved in a pension scheme before. They may not be comfortable with making decisions about investments themselves, and would prefer that the allocation of their money is managed by investment professionals.

Members have the freedom to change the year they plan to take their money out of NEST if they want to, but they don't have to. They can just keep saving regularly and NEST will manage their investment.

NEST's experienced team of investment and pension professionals works closely with our fund administration partner, State Street Corporation.

How do employers benefit?

Employers can be sure that they are providing their workers with a pension scheme that invests their workers' money in a way that meets their needs.

It's also easy for workers to keep track of their money. NEST's website offers clear information which means members can get what they need without having to approach their employer for help.