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What investment funds can I choose from and how can I change my fund?

At NEST, we try and keep things simple. When a worker is enrolled their contributions are invested in our NEST Retirement Date Fund automatically. This means we can look after their money and try and make it grow.

When a worker joins NEST, they become members and their money is invested based on their State Pension age, depending on when they were born. For example, if they’ll reach this age in 2055 we’ll invest their retirement pot in the NEST 2055 Retirement Fund.

NEST Retirement Date Fund invests in three phases, with clear objectives for each one based on how far a member is from their NEST retirement date. To see more information about the three phases of saving in NEST Retirement Date Funds please see NEST Retirement Date Funds.

We believe that NEST Retirement Date Fund is likely to be the best choice for most members. But we know some members may have preferences about where their money goes or how it’s looked after. Our other fund choices are designed for them. They are:

To change the choice of fund, you can log in to your account and click either ‘My Retirement Pot’ at the top of the page or ‘Retirement Pot’ in the main options area. Then click ‘Fund choices’.

In the information box, you’ll be able to see the fund your pot is currently invested in. If you haven’t changed the choice of your retirement fund since being enrolled, your pot will stay in the NEST Retirement Date Fund.

You can choose which NEST Fund you’d like your retirement pot to be invested in by clicking ‘Switch funds’. This will take you to the part of the page where you’ll be able to view the different funds that you can switch to. You can also read more information about the funds on this page.

Once you’ve chosen the new NEST Fund you can click ‘Switch to this fund’ at the bottom of the page. It takes up to three to five working days for the changes to show in your account.

Switching between funds is free and you can do it as many times as you’d like to.

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