How we invest for you

Your goal is our goal – to grow your pension pot, so you have more money to spend when you’re ready to retire.

We do this for you in 4 ways:

Target steady, consistent growth
Partner with expert investment managers
Protect your savings by using a mix of investments
Grow your money responsibly

We target steady, consistent growth

All together, we manage more than £57 billion in savings for over 13 million people across the UK. And we’ve delivered strong, consistent investment growth for our members.

If, like 95% of our members, you’re in one of our Nest Retirement Date funds, you’re invested in line with your target retirement year with a close eye on how markets are performing.

Money in this fund has grown 8% or more since it was launched, beating our target of inflation plus 3%, as you can see in our quarterly investment report. It’s grown like this across all the time horizons we measure – 1 year, 3 years, 5 years, 10 years and since launch in 2012. And it held up better than the markets when the pandemic hit.

See how your money’s invested

Investing is the main way we help you grow your pension pot.

So how exactly do we invest your savings for you?

Check or change the fund you’re in

95% of our members stay in a Nest Retirement Date Fund but you have other fund choices too. Log in to manage the fund you’re in.

See how your fund’s performing

Browse our latest quarterly investment report to see average growth for our funds and the range of investment types we employ to help protect your savings.

Discover where you’re invested

Use our investment information tool to find out which companies our funds are invested in.

We partner with expert investment managers

Your pension’s invested with some of the top fund managers in the world, including Amundi, BlackRock, HSBC, JPMorgan, L&G Asset Management, Northern Trust and UBS.

We believe high quality investment management shouldn’t have to come at high prices. So we’ve worked hard to drive down investment costs for you.

Our annual management charge is 0.3% – among the lowest in the industry. And this charge stays the same no matter what investment fund you’re in, so you don’t pay more if you want to have your money invested in line with your values or comfort with risk.

We protect your savings

Being part of a pension of Nest’s scale has advantages for your savings. You get access to more investment opportunities than the average pension provider can offer.

Your pension is invested in a wide mix of things – not just company shares but also property, housing, green energy projects, timberland and more, depending on the fund you’re in.

The more markets you’re in, the more it can reduce your risk and protect your pension pot. You can see where you’re invested using our investment information tool.

We grow your money responsibly

Your savings are invested responsibly for you. We look at how the companies you’re invested in treat their workers, customers, their surrounding community and the wider environment.

We do this because studies and market performance show that investing responsibly can give your money the best chance to grow, and protect it from market ups and downs, over the long term.