Our Investment Proposition

Workplace savings

We offer investment flexibility, to make sure you and your clients can access a range of investment choices to suit different needs:

Scottish Widows Managed Solutions – our fully governed investment solution
Tailored Investment Solutions – design your own investment strategy

Scottish Widows Managed Solution (SWMS)

Your clients can choose to offer their employee’s access to SWMS, which is our fully governed investment solution. This uses our Pension Investment Approaches (PIA) and provides a standard default option, a range of other lifestyle solutions and access to a range of self-select funds.

Employees can elect to stay in the default option, they can actively choose to move into one of the alternative lifestyle options or be more hands-on and choose from the range of self-select funds currently available within their scheme. This choice is designed to support employees with varying investment knowledge and needs, and should they wish to move from lifestyles to self-select funds, information is provided to help them decide whether it’s the right decision, helping to protect their retirement outcomes.

Extending our self-select sustainable and thematic fund options

We’re building a comprehensive suite of sustainable and thematic funds. This will give employees ample choice to tailor their pension investments to match their values and beliefs.

We’ve kicked off this initiative by overhauling our environmental and ethical funds so they continue to meet members’ expectations of modern sustainable and ethical investing.

We'll be offering these funds from later this year.

SW Environment Fund (PDF 2MB)

SW Ethical Fund (PDF 760KB)

SW Global Ethical Fund (PDF 1MB)

Over the course of the next year, we’ll be adding more sustainable and thematic funds to our self-select range.

Find out more about our approach to environmental impact and ethical investing (PDF 2MB)

Tailored Investment Solutions

Whether you want to offer client specific lifestyle strategies and funds, or build blended funds as components for a default lifestyle strategy that can be offered to multiple clients, we have the experience and operational expertise to deliver what you’re looking for in workplace savings.

If you decide to offer your clients tailored investment solution, the governance responsibility will sit with you and your clients.

Get in touch to discuss the best investment solutions for you and your clients.

Our Responsible Investment and Stewardship Framework

We've introduced our Six Principles of Responsible Investment and Stewardship Commitments to guide our decisions on asset allocation, manager selection, fund research and engagement activity.

Find out more about our approach to Responsible Investment

Strategic Asset Allocation Enhancements

We’ve introduced significant changes to our Pension Investment Approaches (PIA) as a result of our 2020 Strategic Asset Allocation Review, which are projected to deliver improved expected investment returns for members, for unchanged downside risk and at no additional charge.

Read about our asset allocation changes (PDF 2MB)

Integrating ESG considerations into our pension portfolios

We’re taking our next step towards integrating environmental, social and governance (ESG) considerations into our Pension Portfolio Funds, which underpin our Pension Investment Approaches (PIAs), by investing in a new climate transition fund

Read about the BlackRock ACS Climate Transition World Equity Fund (PDF 2MB)

How we can help