Investment Options

Working with an investment advisor, the Trustees select a range of different investment funds for you to choose from. The entire fund range is made available via a single investment management platform. Your investment options are detailed in the member booklet.

You have a choice of seven investment options available.
You can mix your investment options across any combination of the funds – you just need to ensure that your total allocation equals 100%.

On joining the Scheme you will need to confirm to the Administrator how your contributions should be invested.

The investment options available to you have been agreed by your Employer and the Trustees.

You can invest in either a Cash Deposit account, which is currently an interest bearing account with NatWest Bank, or in a choice of risk rated funds provided by Sarasin & Partners LLP (‘Sarasin’) and Cazenove Capital (“Cazenove”). You can invest in one, some, or all of these investment options.

If you provide no investment instructions to the Trustees,
your contributions will be paid into the Cash Deposit Account.

Sarasin is authorised and regulated by the Financial Conduct Authority in the United Kingdom. It is owned by the Safra Sarasin Group which is one of the largest private banking groups in Switzerland.

There are four fund options available, each with a different investment strategy and which invest in different asset classes or different investment markets around the world. Because of this, the risk attached to each fund is different.

A summary of the funds charges is detailed in the fund fact sheets which are included in your Membership Pack. You can find more information on Sarasin, its funds and fund performance on its website: https://www.sarasinandpartners.com

For specific fund information please go to: https://www.sarasinandpartners.com/investment-professionals. In the top right corner of the page, choose United Kingdom as your country by clicking on ‘Change Country’. In Section ‘Investment Professionals’ under ‘Our services’ you can select ‘Prices and performance’ and input the ISIN numbers as shown below:

In the top right corner of the page, choose United Kingdom as your country by clicking on ‘Change Country’. In Section ‘Investment Professionals’ under ‘Our services’ you can select ‘Prices and performance’ and input the ISIN numbers as shown below:

Global Equity Opportunites – IE00B59Z3G76

Thematic Global Real Estate Equity – IE00B572T065

Multi Asset Dynamic – IE00B5TYT775

Sterling Bond – GB00B13GWF08

Cazenove is regulated by the Prudential Regulation Authority and Financial Conduct Authority in the UK and the Financial Services Commission in Gibraltar and is owned by Schroders PLC.

Two fund options are available, both with different investment strategies and with different risk levels attached to them.

Charges are summarised in the fund fact sheets. These and further information on Cazenove and its funds can be found on it’s website: www.cazenovecapital.com

For fund specific information, go to: www.cazenovecapital.com/en-gb/uk/wealth-management/ fund-centre/ ISINs can be input as listed below to show risk, performance, asset allocation and charges on the fund facts along with other information.

Cazenove SUTL Cautious fund S Acc (GBP) GB00BF781Y29

Cazenove SUTL Balanced fund S Acc (GBP) GB00BF784V03

Neither the Trustees nor the Administrator can help you choose which investment option is appropriate for you. It is recommended that you take advice from a suitably qualified adviser.

Neither the investments nor any benefits under the Scheme are guaranteed. The value of your fund at retirement (or on your death) will depend on the performance of your chosen investment over time and any costs and charges applied.