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An award-winning
investment strategy

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Around one in three workers saves with Nest. That makes us one of the largest pension schemes in the UK. And that has advantages.

We can give your employees access to the kind of investments that are usually only available to the largest investors, including ones that aren’t listed on the market.

Your employees will also benefit from deals and low charges that only large investors get. And by keeping charges low, more of their money gets invested, meaning there’s more to grow.

Your employees' money can go further

Our in-house team base their investment decisions on ongoing evidence, research and analysis, including detailed insight into what our members need and expect from us. They invest members’ money in a wide range of investments all around the world. And they take a sophisticated approach to risk management to improve the quality and consistency of members’ investment returns. All of this helps our members get more back from what they save.

Our investments have been more resilient than most

34.4% The FTSE 100 fell 34.4% in the first few weeks of the Covid-19 lockdown
1/2 Our 2040 Retirement Date Fund fell by less than half of that
0.6% Members who were due to retire in 2020 saw only 0.6% difference in their savings

A bigger pension in a better world

Well-run organisations with sound environmental and social practices have a better chance of long-term success and profitability. That’s why responsible investment is at the heart of everything we do, and why our team takes account of environmental, social and governance (ESG) issues, including:

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Environmental

Climate impact and greenhouse gas emissions, energy efficiency, air and water pollution and water scarcity.

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Social

Human rights, local community impact and employment, child labour, working conditions and anticorruption.

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Governance

Diversity, executive compensation, management and board structure and other shareholder rights.

In 2020, we pledged to move Nest members’ money away from any company involved in thermal coal, oil sands or arctic exploration and drilling by 2025, unless they have a clear plan to phase out any related activity by 2030. We also committed to becoming a net zero investor by 2050.

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Nearly three quarters (73%) of members say they want the money in their pension to contribute towards positive outcomes for society.

We set up our first Climate Aware Fund in 2017

Our Climate Aware Fund moves money away from heavy polluters and into greener, sustainable investments. It’s performed so well that we’re now investing even more through climate aware strategies, making it a win for your employees’ pots as well as their carbon footprint – and their future.

So far, our Climate Aware Fund has helped reduce the total carbon footprint of all our members’ investments by the equivalent of:

Source: UBS Asset Management, Trucost, EPA, IEA

Flagship funds tailored for your employees' needs

Ninety-nine percent of employees automatically enrolled into Nest stay in the fund they’re first put in. So, we’ve made sure these funds make your employees’ money work as hard as possible. We call them our flagship Nest Retirement Date Funds.

Your employees save into a Nest Retirement Date Fund that’s based on the age they plan to take their money out. There are up to 50 different Nest Retirement Date Funds, each one tailoring its investments to the employees’ needs – whether they’re in their twenties or their sixties. Throughout their saving journey, we’ll closely manage and adapt their investments – so their savings are always doing the right thing at the right time.

And, with our Nest Guided Retirement Fund and other options, your employees can even stay with us after they start taking their savings. We’ll help them manage their money in a flexible way.

We built this innovative way of looking after our members’ money based on years of research into what members want, what they do, and what they need.

Plus a range of other options

For those who want to take more or less investment risk, or save into a fund that’s more aligned with their beliefs or faith, we have four other funds that your employees can choose.

These funds are clearly named and explained, so employees who want to make a choice can easily understand their options. Which means they’re less likely to need help and support from their employers.

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corporate adviser awards 2020 ultimate default fund
corporate adviser awards 2020 best master trust
pension page awards 2020
European pension awards 2020
alternative investments institute peer to peer awards 2019
professional pension investment awards 2019
corporate adviser awards 2019 ultimate default fund

Find out how our funds perform

To make it easier to understand where Nest’s funds are invested and how we’re delivering each fund, we publish a report every quarter.

Each time we have an update to share, our Chief Investment Officer, Mark Fawcett, discusses how Nest investments have been performing.

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Benefits for you and your employees

We’re always listening to employers to understand what works for them. It’s how we make sure everything we do leaves you and your workers better off.

Why choose Nest?

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Complying with the law and much more

We meet rigorous standards, and tick all the boxes. That’s why over 900,000 employers have set up a workplace pension with Nest.

Our credentials