Consider your risk level and choose your fund
There are five funds to choose from (four if you're an ISA investor), each designed to match a different risk level. Click on the numbers below to find out more about the funds.
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The value of an investment can fall as well as rise and isn't guaranteed. The final value of your pension pot when you come to take benefits may be less than has been paid in. There's no guarantee the funds will meet their objectives. You can’t access your pension savings until you take your benefits. The earliest you can access your pension under current legislation is age 55 (increasing to age 57 on 6 April 2028).
About Retiready Stability
This fund matches our risk level 1 and aims to deliver positive returns in excess of a bank deposit account over the medium to long term. It’s designed for very cautious investors who might otherwise invest in cash or for those whose main priority is preserving the value of their savings rather than growing them. Even if there’s a sudden fall in markets, we wouldn’t expect this fund to fall by more than 5%*, although this isn't guaranteed. The downside to this is that returns are likely to be lower and there’s a greater risk that the real value of your savings may be eroded by inflation over the long term.
The fund invests in a wide variety of investments from all over the world, and in different funds, so investors are not reliant on the success of just one manager or type of investment.
This fund is different from Retiready Solutions 2 to 5. It manages risk in a completely different way and its investment charge of 0.86% is also higher.
For more information and fund specific risks, please see the factsheet.
The Retiready Stability fund is only available for pension investors.
* During the height of the market volatility caused by the Coronavirus pandemic in 2020, the fund fell by less than 5%. (Source: Financial Express, net of charges). This example shouldn't be taken as a guide to how the fund will perform in the future. The value of an investment can fall as well as rise and isn't guaranteed.
About Retiready Solution 2
This fund matches our risk level 2 and is designed for investors who are concerned about losing money, but realise they may have to take some risks with their savings to stay ahead of rising prices.
It aims to grow investors’ savings by investing around 40% in a mix of less risky assets, like bonds and commercial property, with around 60% invested in riskier assets, such as equities (shares) including some in emerging markets equities.
Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.
All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.
Retiready Solution 2 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy I (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.
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Retiready Solution 2 pension factsheet
PDF 106 KB (Opens in a new browser window)For customers - Read this fund factsheet to learn about the Retiready Solution 2 Pension
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Retiready Solution 2 ISA factsheet
PDF 228 KB (Opens in a new browser window)For customers - Read this fund factsheet for the Retiready Solution 2 ISA.
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Key Information Document
PDF 95 KB (Opens in a new browser window)For customers - provides Key Investor Document links for customers for Retiready funds 2 - 5.
About Retiready Solution 3
This fund matches our risk level 3 and is designed for investors who take a balanced view of risk and are prepared to take some risks in the hope that long-term returns will outstrip any short-term losses.
It aims to grow investors’ savings by investing around 30% in a mix of less risky assets, like bonds and commercial property, with around 70% invested in riskier assets, such as equities (shares) including some in emerging markets equities.
Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.
All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.
Retiready Solution 3 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy II (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.
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Retiready Solution 3 pension factsheet
PDF 105 KB (Opens in a new browser window)For customers - Read this fund factsheet to learn more about your Retiready Solution 3 Pension
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Retiready Solution 3 ISA factsheet
PDF 417 KB (Opens in a new browser window)For customers - Fund factsheet for Retiready Solution 3 ISA.
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Key Information Document
PDF 95 KB (Opens in a new browser window)For customers - provides Key Investor Document links for customers for Retiready funds 2 - 5.
About Retiready Solution 4
This fund matches risk level 4 and is designed for investors who are less concerned about losing money (even if it’s quite a bit) in the short term than giving their savings the best chance to grow over the long term.
It aims to grow investors’ savings by investing around 20% in a mix of less risky assets, like bonds and commercial property, with around 80% invested in riskier assets, such as equities (shares) including some in emerging markets equities.
Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.
All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.
Retiready Solution 4 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy III (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.
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Retiready Solution 4 pension factsheet
PDF 106 KB (Opens in a new browser window)For customers - Read this fund factsheet to find out more about the Retiready Solution 4 Pension.
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Retiready Solution 4 ISA factsheet
PDF 422 KB (Opens in a new browser window)For customers - Fund factsheet for Retiready Solution 4 ISA.
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Key Information Document
PDF 95 KB (Opens in a new browser window)For customers - provides Key Investor Document links for customers for Retiready funds 2 - 5.
About Retiready Solution 5
This fund matches risk level 5 and is designed for investors who are willing to take significant investment risk and prioritise growing their savings over protecting their capital.
It aims to grow investors’ savings by investing around 10% in a mix of less risky assets, like bonds and commercial property, with around 90% invested in riskier assets, such as equities (shares) including some in emerging markets equities.
Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.
All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.
Retiready Solution 5 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy IV (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.
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Retiready Solution 5 pension factsheet
PDF 104 KB (Opens in a new browser window)For customers - Read this fund factsheet to learn more about your Retiready Solution 5 Pension
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Retiready Solution 5 ISA factsheet
PDF 397 KB (Opens in a new browser window)For customers - Fund factsheet for Retiready Solution 5 ISA.
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Key Information Document
PDF 95 KB (Opens in a new browser window)For customers - provides Key Investor Document links for customers for Retiready funds 2 - 5.
Not sure what risk level is right for you?
Before you choose a fund, it's important you're clear on your risk level.
Read more information about the different risk levels.

Retiready Pension, ISA or both?
Choose what's right for you to achieve your retirement goals.

Retiready Pension, ISA or both?
Choose what's right for you to achieve your retirement goals.