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NEST Lower Growth Fund

This fund carries the greatest risk that members’ money won’t grow more than changes in the cost of living. This means it’s important that members who choose it aren’t concerned about their money growing significantly over time.

What the fund tries to achieve

The fund aims to preserve the value of a member’s savings while growing slightly, but with very few ups and downs.

It takes very little investment risk. This can mean a member’s retirement pot is less likely to go down in value, but it also greatly reduces the amount by which it could grow in the long term. Members need to bear in mind although the amount of money in their pot may grow, when they take it out it may be worth less. This is because it may not keep up with the rising cost of living.

What the fund invests in

NEST Lower Growth Fund invests primarily in low risk investments such as bonds.

How the fund tries to grow members’ money

The fund works by investing in lower risk financial instruments.

While a member’s pot will grow slowly over the years if they invest in the Lower Growth Fund, there’s a chance the cost of living will increase at a faster rate.

Changing funds

To choose one of the fund choices instead of the NEST Retirement Date Funds, members need to log into their online account and go to ‘Retirement pot’.

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.