NEST funds

Investment approach

NEST's* investment approach is based on extensive research into the needs of our members including:

• their attitudes to risk and loss
• their experience of saving
• the need for clear communication

Investment made simple

Our approach makes investing simple for our members.

Our funds are carefully managed and adjusted by our investment specialists throughout a member's time saving with NEST. Once a member has invested their money they don't have to make any complicated decisions.

When a worker joins NEST their money is invested in a fund designed to be ready for when we expect them to take their money out. This is called a NEST Retirement Date Fund. So the only decision a member has to make is to tell us when they will want to take their money out. We do the rest.

Other fund choices

NEST Retirement Date Funds are designed to be the best choice for most members.

However, we've found through research with employers and future members that some workers may have different preferences for the way their money is invested. Giving members some choice in where their money goes is an important way of encouraging saving.

NEST offers a range of carefully selected funds designed to cater for a diverse workforce. It’s easy and free for your workers to switch funds through their NEST online account or by calling us.

Who looks after members' money?

NEST Corporation looks after members' money. A team of experienced in-house investment specialists implements our investment strategy.

They do this by mixing together a range of existing investment funds provided by independent fund managers.  These include BlackRock, F&C, HSBC Amanah, State Street Global Advisers and UBS Global Asset Management.

Our fund administrator is State Street Corporation, a financial services company that currently operates in 25 countries and has a large UK presence.