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How does Nest manage my money

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We know pensions can seem confusing, but knowing how Nest invests your money can help you have more control of your future.

What does investing mean?

Investing means the money you put into your pension pot each month is put to work to try to try make your money grow over a long period of time, which you wouldn’t get if you just kept it in your usual bank account.

How Nest invests your pension

What makes Nest different?

It's our unique approach to investing your money that makes us different.

Our pension funds are designed with members like you in mind. We know most members stay in the fund they’re automatically enrolled in. We also know how important it is for you to get back what you put in if not more. That’s why we spend most of our time and energy making sure those pension funds are the best they can be. You don’t need to do anything if you don’t want to – you can leave us to do the hard work for you.

At Nest, we believe that everyone should have access to world class investments for their pension. No matter who you are or how much you save. And because we’re a big pension provider, we’re able to keep the costs down for you, when buying the best investments.

As a Nest member you’re joining millions of others who are planning for a better retirement. The money in your pension is put to work in a number of ways. As well as investing in a range of global companies, some of your money might go into health facilities or renewable energy. So, in trying to grow your pension, we’re often doing good at the same time.

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What happens to my money?

After your pension contributions are taken from your wages, your money goes out into the world to buy lots of things. This can range from a share of large international companies like Apple, or smaller businesses like Greggs. Or your money might be lent out to an infrastructure project like building a wind farm, or part of a new hospital or social housing project. So, while your money is working for your future, it’s helping to keep the world working too.

We’re always looking to get the best return for your money, and that means keeping a watchful eye on where your money goes. We constantly monitor where your pension is invested — always trying to make sure that the organisations we give your money to are run responsibly so they have a better chance of long-term success and profitability. And by investing in sustainable companies, we aim to benefit your pension, while society and the planet benefits too. Growing your money with responsible investment.

We know you want to keep your pension pot safe – so do we. That’s why we spread your money across lots of different types of investment; for example, companies, certain governments, property or public transport projects. And to be extra safe, we keep some of it in cash. This approach helps to spread the risk by not putting all your eggs in one basket. But that’s just the tip of the iceberg of what we do to protect your money the best we can.

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How is my money taken care of?

At Nest we have a team of experts who’s only job is to look after your money. They make all the important decisions about where your money goes and make sure it is as secure as possible. They take the responsibility of safeguarding your money very seriously and do all they can to get the best results. Because they are Nest members too. 

For most people, the fund you were enrolled in will be the right place. But if you want to take more or less investment risk or choose a fund that matches your beliefs or faith, we have some other pension funds. After all, it’s your money and your choice. Nest funds.

We have won awards for our investment approach. It’s driven by what our members tell us they want and need from their pensions. So, you can be sure we have your interests at heart. 

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How much money will I get when I retire?

Like many things in life, what you get out often depends on how much you put in. Paying in regularly means that the money in your pension can start to build up. What could I get when I retire?

How much money you receive when you retire will also depend on how many years you save for. The longer you pay in, the more you’re likely to get at the end. It really is as simple as that.

To find out how much you might get when you retire, try out our pensions calculator. Calculate your pension.

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Pensions in numbers

9m Over 9 million people in the UK are now saving with Nest
are now saving with Nest
1 in 3 of the UK working population will have a pension with Nest by the late 2020s
73% of members agree that responsible investing is the right thing to do

Still have questions?

Auto enrolment is a law that says all employers must sign eligible workers up to a pension. To find out more go to: Auto enrolment

Investment risk is the amount of risk you are willing to take with your money to make your money grow. To find out more go to: Nest funds

When you buy a share, you become an owner of a small part of a company or project. To find out more go to: Different types of investment

For further advice on pensions go to: Guidance and advice

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Growing your pension savings

Investing responsibly can boost your pension - and improve things for the people you live and work with too.