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At a glance

Navigator steers your pension automatically based on your age, helping you make smart decisions. It aims to grow your pension when you're younger, then adds more stability as you approach retirement.

It’s designed to give you flexibility when making your retirement plans, so you don’t need to decide how or when you’ll retire until you’re ready.

Download Key Information

Highlights

  • When you're younger, your money's invested in our Adventurous Growth approach - with higher potential to grow your money in the longer term.
  • When you turn 51, we gradually start moving it into our Careful Defensive approach - for more stability, but with slower growth.
  • Our experts invest your money globally to give it more chances to grow and to spread the risk.

Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.

How your money's invested

Up until the age of 51, we invest your money in our Adventurous Growth approach. It’s higher risk but can generate higher returns – and you’ve got plenty of time to ride out the market ups and downs.

When you’re 51, we gradually move some of your money into our Careful Defensive approach each year until you’re 65. This blend of approaches keeps your money growing, while reducing those ups and downs ready for you to start taking it out. Best of all, it’s all done for you.

Percentage invested in each approach by age

Key:
0%
50%
100%
  • 40: 100%
    40: 0%
    40
  • 41: 100%
    41: 0%
  • 42: 100%
    42: 0%
  • 43: 100%
    43: 0%
  • 44: 100%
    44: 0%
  • 45: 100%
    45: 0%
    45
  • 46: 100%
    46: 0%
  • 47: 100%
    47: 0%
  • 48: 100%
    48: 0%
  • 49: 100%
    49: 0%
  • 50: 100%
    50: 0%
    50
  • 51: 97%
    51: 3%
  • 52: 94%
    52: 6%
  • 53: 91%
    53: 9%
  • 54: 88%
    54: 12%
  • 55: 85%
    55: 15%
    55
  • 56: 81%
    56: 19%
  • 57: 77%
    57: 23%
  • 58: 73%
    58: 27%
  • 59: 69%
    59: 31%
  • 60: 65%
    60: 35%
    60
  • 61: 60%
    61: 40%
  • 62: 55%
    62: 45%
  • 63: 50%
    63: 50%
  • 64: 43%
    64: 57%
  • 65: 36%
    65: 64%
    65
  • 66: 36%
    66: 64%
  • 67: 36%
    67: 64%
  • 68: 36%
    68: 64%
  • 69: 36%
    69: 64%
  • 70 years: 36%
    70 years: 64%
    70
40 70

Explore both approaches

Where your money’s invested

This approach aims for higher potential growth over the longer term. Our experts review the mix of investments regularly.

Here’s the detail at 31 March 2025

Higher risk

  • 18% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 5% - Real estate investment trusts
  • 59% - Shares (overseas developed)
  • 2% - Bonds (emerging markets)
  • 5% - Bonds (high yield)

Lower risk

  • 1% - Cash
  • 0% - Short maturity bonds
  • 0% - UK Government bonds (Gilts)
  • 0% - Global government bonds
  • 1% - UK corporate bonds
  • 2% - Global corporate bonds
Key:
Higher riskShares (emerging markets): 18%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 59%
Higher riskBonds (emerging markets): 2%
Higher riskBonds (high yield): 5%
Lower riskGlobal corporate bonds: 2%
Lower riskUK corporate bonds: 1%
Lower riskGlobal government bonds: 0%
Lower riskUK Government bonds (Gilts): 0%
Lower riskShort maturity bonds: 0%
Lower riskCash: 1%
What do these terms mean?

How the fund invests

Your money is invested in a group of funds, rather than directly in stocks and shares. This is known as a fund of funds.

The following is up-to-date as of 31 March 2025.

  1. iShares MSCI Emerging Markets ESG Enhanced Units ETF
  2. iShares MSCI USA ESG Enhanced UCITS ETF
  3. iShares Continental European Equity ESG Index Fund
  4. abrdn Evolve World Equity Fund
  5. abrdn Evolve American Equity Fund
  6. iShares UK Equity ESG Index Fund
  7. iShares MSCI Japan ESG Enhanced UCITS ETF
  8. abrdn Global REIT Tracker Fund
  9. abrdn Asia Pacific ex-Japan Tracker Fund
  10. abrdn SICAV I - Global High Yield Sustainable Bond Fund

What you could've earned already

The graph below gives you an indication of how much you could've earned, after charges, if you had invested £10,000 in this approach five years ago. Remember, past performance isn't a reliable guide to future performance.

Here's the detail at 31 March 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Mar-20: £10,000
    Mar-20: £10,000
    2020
  • Apr-20: £10,678
    Apr-20: £10,737
  • May-20: £11,273
    May-20: £11,298
  • Jun-20: £11,648
    Jun-20: £11,603
  • Jul-20: £11,491
    Jul-20: £11,545
  • Aug-20: £11,832
    Aug-20: £11,900
  • Sep-20: £11,894
    Sep-20: £11,930
  • Oct-20: £11,714
    Oct-20: £11,697
  • Nov-20: £12,725
    Nov-20: £12,532
  • Dec-20: £12,986
    Dec-20: £12,758
  • Jan-21: £13,001
    Jan-21: £12,651
    2021
  • Feb-21: £12,993
    Feb-21: £12,662
  • Mar-21: £13,372
    Mar-21: £13,061
  • Apr-21: £13,797
    Apr-21: £13,486
  • May-21: £13,742
    May-21: £13,375
  • Jun-21: £14,133
    Jun-21: £13,844
  • Jul-21: £14,112
    Jul-21: £13,882
  • Aug-21: £14,515
    Aug-21: £14,271
  • Sep-21: £14,342
    Sep-21: £13,998
  • Oct-21: £14,498
    Oct-21: £14,370
  • Nov-21: £14,607
    Nov-21: £14,520
  • Dec-21: £14,892
    Dec-21: £14,690
  • Jan-22: £14,073
    Jan-22: £14,173
    2022
  • Feb-22: £13,859
    Feb-22: £13,842
  • Mar-22: £14,416
    Mar-22: £14,236
  • Apr-22: £14,096
    Apr-22: £13,755
  • May-22: £13,900
    May-22: £13,722
  • Jun-22: £13,217
    Jun-22: £13,132
  • Jul-22: £13,800
    Jul-22: £13,909
  • Aug-22: £13,919
    Aug-22: £13,912
  • Sep-22: £13,176
    Sep-22: £13,177
  • Oct-22: £13,246
    Oct-22: £13,463
  • Nov-22: £13,830
    Nov-22: £13,978
  • Dec-22: £13,642
    Dec-22: £13,394
  • Jan-23: £14,195
    Jan-23: £13,957
    2023
  • Feb-23: £14,114
    Feb-23: £13,773
  • Mar-23: £14,030
    Mar-23: £13,935
  • Apr-23: £14,042
    Apr-23: £13,923
  • May-23: £14,018
    May-23: £13,946
  • Jun-23: £14,290
    Jun-23: £14,294
  • Jul-23: £14,662
    Jul-23: £14,572
  • Aug-23: £14,377
    Aug-23: £14,417
  • Sep-23: £14,273
    Sep-23: £14,309
  • Oct-23: £13,845
    Oct-23: £14,009
  • Nov-23: £14,477
    Nov-23: £14,628
  • Dec-23: £15,131
    Dec-23: £15,197
  • Jan-24: £15,145
    Jan-24: £15,275
    2024
  • Feb-24: £15,516
    Feb-24: £15,863
  • Mar-24: £15,985
    Mar-24: £16,307
  • Apr-24: £15,786
    Apr-24: £15,935
  • May-24: £15,928
    May-24: £16,261
  • Jun-24: £16,384
    Jun-24: £16,674
  • Jul-24: £16,412
    Jul-24: £16,738
  • Aug-24: £16,469
    Aug-24: £16,802
  • Sep-24: £16,668
    Sep-24: £16,874
  • Oct-24: £16,668
    Oct-24: £17,094
  • Nov-24: £17,053
    Nov-24: £17,810
  • Dec-24: £16,896
    Dec-24: £17,652
  • Jan-25: £17,551
    Jan-25: £18,256
    2025
  • Feb-25: £17,281
    Feb-25: £18,020
  • Mar-25: £16,612
    Mar-25: £17,098
2020 2025

March 2020 to
March 2021		March 2021 to
March 2022		March 2022 to
March 2023		March 2023 to
March 2024		March 2024 to
March 2025
This fund33.7%7.9%-2.7%14.0%3.9%
Performance Comparator*30.6%9.0%-2.1%17.0%4.9%
This fund launched in November 2020. To help you compare it with other funds we have replicated the performance of the markets the fund invests in, to indicate what the performance may have been prior to its launch. The simulated return takes into account total annual charges of 0.45% and that the mix of assets are rebalanced once per month, but does not include the separate account fee of 0.30% per year.

*The fund doesn’t use a benchmark as a guide for investing or as a target to beat. But we do use a performance comparator which investors may want to compare the fund’s performance against. This comprises 80% shares and 20% bonds. Shares are represented by the MSCI All Countries World Index GBP, whilst bonds are represented by the Bloomberg Global Aggregate Bond Index – GBP Hedged. The fund invests differently to the performance comparator therefore returns will always be different. For example there are differences in the way the fund is built vs. the comparator, along with the cost of investing, which is included for the fund return, but not the comparator. You cannot invest in the performance comparator.

Source: Lipper, year on year, 31 March 2020 to 31 March 2025, bid to bid with net income reinvested.

Where your money’s invested

This approach aims for more stability, but with slower growth. Our experts review the mix of investments regularly.

Here’s the detail at 31 March 2025

Higher risk

  • 1% - Shares (emerging markets)
  • 4% - Shares (UK)
  • 1% - Real estate investment trusts
  • 10% - Shares (overseas developed)
  • 1% - Bonds (emerging markets)
  • 3% - Bonds (high yield)

Lower risk

  • 18% - Cash
  • 21% - Short maturity bonds
  • 10% - UK Government bonds (Gilts)
  • 16% - Global government bonds
  • 12% - UK corporate bonds
  • 3% - Global corporate bonds
Key:
Higher riskShares (emerging markets): 1%
Higher riskShares (UK): 4%
Higher riskReal estate investment trusts: 1%
Higher riskShares (overseas developed): 10%
Higher riskBonds (emerging markets): 1%
Higher riskBonds (high yield): 3%
Lower riskGlobal corporate bonds: 3%
Lower riskUK corporate bonds: 12%
Lower riskGlobal government bonds: 16%
Lower riskUK Government bonds (Gilts): 10%
Lower riskShort maturity bonds: 21%
Lower riskCash: 18%
What do these terms mean?

How the fund invests

Your money is invested in a group of funds, rather than directly in stocks and shares. This is known as a fund of funds.

The following is up-to-date as of 31 March 2025.

  1. abrdn Liquidity Fund
  2. abrdn Global Government Bond Index Fund
  3. Vanguard UK Government Bond Index Fund
  4. L&G ESG GBP Corporate Bond 0-5 Year Fund ETF
  5. abrdn Short Dated Global Inflation-Linked Bond Tracker Fund
  6. Vontobel TwentyFour Sustainable Short Term Bond Fund
  7. abrdn Global Inflation-Linked Bond Tracker Fund
  8. abrdn Short Dated Global Corporate Bond Tracker Fund
  9. abrdn Evolve UK Equity Fund
  10. abrdn Evolve American Equity Fund

What you could've earned already

The graph below gives you an indication of how much you could've earned, after charges, if you had invested £10,000 in this approach five years ago. Remember, past performance isn't a reliable guide to future performance.

Here's the detail at 31 March 2025.

Key:
£7.5k
£10k
£12.5k
  • Mar-20: £10,000
    Mar-20: £10,000
    2020
  • Apr-20: £10,261
    Apr-20: £10,262
  • May-20: £10,406
    May-20: £10,386
  • Jun-20: £10,501
    Jun-20: £10,479
  • Jul-20: £10,544
    Jul-20: £10,555
  • Aug-20: £10,513
    Aug-20: £10,554
  • Sep-20: £10,552
    Sep-20: £10,589
  • Oct-20: £10,540
    Oct-20: £10,550
  • Nov-20: £10,744
    Nov-20: £10,737
  • Dec-20: £10,820
    Dec-20: £10,794
  • Jan-21: £10,802
    Jan-21: £10,728
    2021
  • Feb-21: £10,614
    Feb-21: £10,596
  • Mar-21: £10,691
    Mar-21: £10,622
  • Apr-21: £10,777
    Apr-21: £10,708
  • May-21: £10,801
    May-21: £10,710
  • Jun-21: £10,877
    Jun-21: £10,824
  • Jul-21: £11,007
    Jul-21: £10,937
  • Aug-21: £11,063
    Aug-21: £10,976
  • Sep-21: £10,927
    Sep-21: £10,850
  • Oct-21: £10,994
    Oct-21: £10,881
  • Nov-21: £11,059
    Nov-21: £10,968
  • Dec-21: £11,041
    Dec-21: £10,949
  • Jan-22: £10,853
    Jan-22: £10,736
    2022
  • Feb-22: £10,723
    Feb-22: £10,575
  • Mar-22: £10,684
    Mar-22: £10,440
  • Apr-22: £10,505
    Apr-22: £10,136
  • May-22: £10,456
    May-22: £10,120
  • Jun-22: £10,178
    Jun-22: £9,907
  • Jul-22: £10,415
    Jul-22: £10,217
  • Aug-22: £10,256
    Aug-22: £9,984
  • Sep-22: £9,826
    Sep-22: £9,608
  • Oct-22: £9,910
    Oct-22: £9,617
  • Nov-22: £10,111
    Nov-22: £9,873
  • Dec-22: £10,018
    Dec-22: £9,692
  • Jan-23: £10,216
    Jan-23: £9,939
    2023
  • Feb-23: £10,104
    Feb-23: £9,778
  • Mar-23: £10,200
    Mar-23: £9,968
  • Apr-23: £10,226
    Apr-23: £10,003
  • May-23: £10,147
    May-23: £9,967
  • Jun-23: £10,138
    Jun-23: £10,005
  • Jul-23: £10,222
    Jul-23: £10,042
  • Aug-23: £10,174
    Aug-23: £10,010
  • Sep-23: £10,085
    Sep-23: £9,848
  • Oct-23: £10,042
    Oct-23: £9,750
  • Nov-23: £10,307
    Nov-23: £10,092
  • Dec-23: £10,604
    Dec-23: £10,424
  • Jan-24: £10,512
    Jan-24: £10,416
    2024
  • Feb-24: £10,508
    Feb-24: £10,431
  • Mar-24: £10,666
    Mar-24: £10,560
  • Apr-24: £10,566
    Apr-24: £10,374
  • May-24: £10,594
    May-24: £10,486
  • Jun-24: £10,747
    Jun-24: £10,609
  • Jul-24: £10,836
    Jul-24: £10,780
  • Aug-24: £10,918
    Aug-24: £10,879
  • Sep-24: £11,004
    Sep-24: £10,987
  • Oct-24: £10,928
    Oct-24: £10,886
  • Nov-24: £11,026
    Nov-24: £11,078
  • Dec-24: £10,961
    Dec-24: £10,989
  • Jan-25: £11,080
    Jan-25: £11,097
    2025
  • Feb-25: £11,123
    Feb-25: £11,178
  • Mar-25: £11,048
    Mar-25: £11,036
2020 2025
Virgin Money Defensive Fund comparisonMarch 2020 to
March 2021		March 2021 to
March 2022		March 2022 to
March 2023		March 2023 to
March 2024		March 2024 to
March 2025
This fund6.9%0.0%-4.6%4.6%3.6%
Performance Comparator*6.2%-1.7%-4.5%5.9%4.5%
This fund launched in November 2020. To help you compare it with other funds we have replicated the performance of the markets the fund invests in, to indicate what the performance may have been prior to its launch. The simulated return takes into account total annual charges of 0.40% and that the mix of assets are rebalanced once per month, but does not include the separate account fee of 0.30% per year.

*The fund doesn’t use a benchmark as a guide for investing or as a target to beat. But we do use a performance comparator which investors may want to compare the fund’s performance against. This comprises 85% bonds and 15% shares. Shares are represented by the MSCI All Countries World Index GBP, whilst bonds are represented by the Bloomberg Global Aggregate Bond Index – GBP Hedged. The fund invests differently to the performance comparator therefore returns will always be different. For example there are differences in the way the fund is built vs. the comparator, along with the cost of investing, which is included for the fund return, but not the comparator. You cannot invest in the performance comparator.

Source Lipper, total return (income reinvested).
Performance comparator changes

Key information

In our important documents you’ll see our Careful Defensive approach and Adventurous Growth approach, which refers to our Virgin Money Defensive Fund and Virgin Money Growth Fund 3. Before applying, please make sure you've read the following.

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