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Nest Guided Retirement Fund

Nest Guided Retirement 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.

Nest members who are in the Nest Retirement Date Funds will be automatically moved into this fund at their intended retirement date if they meet the criteria. This fund is designed so members can start accessing their retirement savings while continuing to benefit from potential investment returns.

What the fund tries to achieve

The fund is trying to provide members with access to sustainable withdrawals until age 85 while also putting money aside so they can purchase a lifetime income from age 85, if they wish to.  

Nest manages this by splitting the fund into four parts, each designed and invested differently to meet members’ different needs throughout retirement.

What the fund tries to achieve

The amount allocated from the Nest Vault to other parts of the fund is based on, among other things, the investment performance of a member’s pot, how old they are, and when they join the fund.  

Nest Investment Committee annually reviews the amount of cash available for members to withdraw from their Nest Wallet by using economic scenarios and long-term capital market assumptions prepared by JPMorgan Asset Management. We aim to give members an amount they can withdraw each year that is sustainable, while at the same time reducing the risk of them running out of money before age 85. 

Find out more about this fund and how it’s invested in our quarterly investment report.

See where this fund is invested

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

Find it here