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Nest funds

More than 90 per cent of people automatically enrolled into a pension scheme stay in the fund they’re first put in. This is commonly known as the ‘default fund’.

At Nest, we call these our Retirement Date Funds. We also have six additional funds that members can opt into. These give you the option of taking more or less investment risk, or choosing a fund that’s aligned with your beliefs or faith.

Our funds

All of our funds are clearly named and explained so you can easily understand your options.

These funds are where members are automatically enrolled into.

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This fund is for members who are prepared to take more investment risk to try and make their retirement pot grow more.

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This fund is for members with specific concerns about the impact organisations have on the environment and society, in areas such as human rights and environmental damage. It follows three phases of investment in a similar way to the Nest Retirement Date Funds.

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This fund is for members who want an approach based on Islamic law as it relates to investing.

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This fund is for members who are very cautious while investing, so their retirement pot will be exposed to less investment risk than the Nest Retirement Date Funds. In the long term, however, it will probably grow less than other fund choices and possibly less than the cost of living.

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This fund is for members who start saving with Nest when they’re near their retirement date and know they want to buy an annuity instead of taking all their pot as cash.

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This fund is an option for members who are aged between 60 and 70, who have at least £10,000 invested in any of our funds and want to start taking their money out of Nest.

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Our funds' risk profiles

This chart shows how we expect Nest’s funds to compare in annual volatility over the long term. The categories of 1 (very low risk) to 7 (very high risk) are set by the European Securities and Markets Authority (ESMA). 

Funds at the lower end of the scale see fewer rises and falls in performance, but have less chance of growing quickly. Funds at the higher end offer more chance of growth but could experience sharp falls in value.

comparative risk image

Risk category Annualised volatility Description of volatility
1 0-0.5% Very low
2 0.5-2% Low
3 2-5% Medium
4 5-10% Medium to high
5 10-15% High
6 15-25% Very high
7 >25% Very high

 

See how Nest funds are invested

To find out where this fund is invested and how it’s performing, read the latest Quarterly investment report. 

Last updated: 06/20