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CHILDREN'S PENSION

CHOOSE YOUR OWN OPTION

Child playing in water

You can take a hands-on approach with your child's pension by choosing which funds to invest in. Once setup, you can move your money between any of the funds at any time.

If you choose your own funds, we won’t automatically move your child's pension to lower risk funds as they approach retirement. Once they turn 18, they can move between our funds at any time and at no extra charge.

Please bear in mind, the value of your investment can go down as well as up and they may get back less than you invest. Tax benefits depend on individual circumstances and may change in the future. The earliest you can normally take your pension savings is your 55th birthday. The earliest a pension can normally be taken is your child's 55th birthday. If you stop or reduce your payments you will reduce the amount your child gets back from the pension.

You do not have the right to cancel stock market based investments like the Virgin Stakeholder Pension that are sold over the phone or online.

Choose a fund

We have five funds giving you easy access to different levels of risk and return.

Risk and reward potential

Pie to show Bond and Gilt fund, 50% bond and 50% gilt.
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating. It can help you balance stability with your appetite for investment growth.

For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.

The risk category shown is not a target or guarantee and may move over time.

Pension Income Protector Fund

This fund invests your money in bonds issued by the UK Government and highly rated companies.

Find out more
Gilts Gilts
Corporate bonds Corporate bonds

Risk and reward potential

Pie to show split of Bond, Gilt UK Share Fund 41% in Government bonds, 9% in corporate bonds and 50% in UK shares.
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating. It can help you balance stability with your appetite for investment growth.

For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.

The risk category shown is not a target or guarantee and may move over time.

Pension Bond, Gilt and UK Share Fund

Splits your investment across UK shares and lower risk bonds issued by the UK Government and highly rated companies.

Find out more
Gilts Gilts
Corporate bonds Corporate bonds
UK shares UK shares

Risk and reward potential

Fund pie chart to show Bond, Gilt UK and Overseas Share Fund. 16% in Government bonds, 9% in corporate bonds, 25% in overseas shares, 50% in UK shares.
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating. It can help you balance stability with your appetite for investment growth.

For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.

The risk category shown is not a target or guarantee and may move over time.

Pension Bond, Gilt, UK and Overseas Share Fund

Invests in a mix of asset types, including overseas shares to give your investment more diversity.

Find out more
Gilts Gilts
Corporate bonds Corporate bonds
UK shares UK shares
Overseas shares Overseas shares

Risk and reward potential

Fund pie to show FTSE All-Share Fund. 100% UK Shares.
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating. It can help you balance stability with your appetite for investment growth.

For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.

The risk category shown is not a target or guarantee and may move over time.

Pension Growth Fund

Invests in 600+ companies on the FTSE All-Share Index.

Find out more
UK shares UK shares

Risk and reward potential

Fund pie to show Global Share Fund. 25 percent in emerging market shares, 25 percent in UK shares, 50 percent in overseas shares.
The risk/reward indicator is a measure of how much a Fund's value has moved up and down in the past, this is a standardised rating. It can help you balance stability with your appetite for investment growth.

For example, risk level 1 signals a low risk of your fund losing money, but also a low potential for growth. The higher the risk rating the more potential there is to grow your investment, but there is also a greater chance of a reduction in value – particularly over the short term.

The risk category shown is not a target or guarantee and may move over time.

Pension Global Share Fund

Invests in shares across different countries and regions, giving you real geographic diversity.

Find out more
UK shares UK shares
Overseas shares Overseas shares
Emerging market shares Emerging market shares

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