Skip to main content

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 30 September 2025

Higher risk

  • 11% - Shares (emerging markets)
  • 8% - Shares (UK)
  • 6% - Real estate investment trusts
  • 64% - Shares (overseas developed)
  • 2% - Bonds (emerging markets)
  • 4% - Bonds (high yield)

Lower risk

  • 1% - Cash
  • 0% - Short maturity bonds
  • 0% - UK Government bonds (Gilts)
  • 0% - Global government bonds
  • 1% - UK corporate bonds
  • 3% - Global corporate bonds
Key:
Higher riskShares (emerging markets): 11%
Higher riskShares (UK): 8%
Higher riskReal estate investment trusts: 6%
Higher riskShares (overseas developed): 64%
Higher riskBonds (emerging markets): 2%
Higher riskBonds (high yield): 4%
Lower riskGlobal corporate bonds: 3%
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.

Top holdings

The following is up-to-date as of 30 September 2025.

  1. abrdn Evolve World Equity Fund
  2. iShares Continental European Equity ESG Index Fund
  3. iShares MSCI Emerging Markets ESG Enhanced Units ETF
  4. iShares MSCI USA ESG Enhanced UCITS ETF
  5. abrdn Asia Pacific ex-Japan Tracker Fund
  6. abrdn Evolve American Equity Fund
  7. iShares MSCI Japan ESG Enhanced UCITS ETF
  8. abrdn Global REIT Tracker Fund
  9. iShares UK Equity ESG Index Fund
  10. abrdn Global Corporate Bond Screened Tracker 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 30 September 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • 30/09/2020: £10,000
    30/09/2020: £10,000
    2020
  • 31/10/2020: £9,850
    31/10/2020: £9,804
  • 30/11/2020: £10,700
    30/11/2020: £10,504
  • 31/12/2020: £10,920
    31/12/2020: £10,694
  • 31/01/2021: £10,933
    31/01/2021: £10,604
    2021
  • 28/02/2021: £10,927
    28/02/2021: £10,614
  • 31/03/2021: £11,246
    31/03/2021: £10,948
  • 30/04/2021: £11,604
    30/04/2021: £11,304
  • 31/05/2021: £11,559
    31/05/2021: £11,211
  • 30/06/2021: £11,887
    30/06/2021: £11,604
  • 31/07/2021: £11,870
    31/07/2021: £11,636
  • 31/08/2021: £12,210
    31/08/2021: £11,962
  • 30/09/2021: £12,065
    30/09/2021: £11,733
  • 31/10/2021: £12,196
    31/10/2021: £12,045
  • 30/11/2021: £12,289
    30/11/2021: £12,170
  • 31/12/2021: £12,529
    31/12/2021: £12,313
  • 31/01/2022: £11,842
    31/01/2022: £11,880
    2022
  • 28/02/2022: £11,661
    28/02/2022: £11,602
  • 31/03/2022: £12,130
    31/03/2022: £11,932
  • 30/04/2022: £11,861
    30/04/2022: £11,529
  • 31/05/2022: £11,696
    31/05/2022: £11,502
  • 30/06/2022: £11,122
    30/06/2022: £11,007
  • 31/07/2022: £11,612
    31/07/2022: £11,658
  • 31/08/2022: £11,713
    31/08/2022: £11,661
  • 30/09/2022: £11,087
    30/09/2022: £11,045
  • 31/10/2022: £11,147
    31/10/2022: £11,285
  • 30/11/2022: £11,637
    30/11/2022: £11,716
  • 31/12/2022: £11,480
    31/12/2022: £11,227
  • 31/01/2023: £11,945
    31/01/2023: £11,699
    2023
  • 28/02/2023: £11,877
    28/02/2023: £11,545
  • 31/03/2023: £11,806
    31/03/2023: £11,680
  • 30/04/2023: £11,817
    30/04/2023: £11,671
  • 31/05/2023: £11,796
    31/05/2023: £11,690
  • 30/06/2023: £12,025
    30/06/2023: £11,981
  • 31/07/2023: £12,337
    31/07/2023: £12,215
  • 31/08/2023: £12,098
    31/08/2023: £12,084
  • 30/09/2023: £12,011
    30/09/2023: £11,994
  • 31/10/2023: £11,650
    31/10/2023: £11,742
  • 30/11/2023: £12,182
    30/11/2023: £12,261
  • 31/12/2023: £12,732
    31/12/2023: £12,738
  • 31/01/2024: £12,744
    31/01/2024: £12,803
    2024
  • 29/02/2024: £13,055
    29/02/2024: £13,296
  • 31/03/2024: £13,450
    31/03/2024: £13,669
  • 30/04/2024: £13,283
    30/04/2024: £13,357
  • 31/05/2024: £13,402
    31/05/2024: £13,630
  • 30/06/2024: £13,785
    30/06/2024: £13,976
  • 31/07/2024: £13,809
    31/07/2024: £14,029
  • 31/08/2024: £13,857
    31/08/2024: £14,083
  • 30/09/2024: £14,025
    30/09/2024: £14,143
  • 31/10/2024: £14,025
    31/10/2024: £14,328
  • 30/11/2024: £14,348
    30/11/2024: £14,928
  • 31/12/2024: £14,216
    31/12/2024: £14,795
  • 31/01/2025: £14,767
    31/01/2025: £15,302
    2025
  • 28/02/2025: £14,539
    28/02/2025: £15,105
  • 31/03/2025: £13,977
    31/03/2025: £14,331
  • 30/04/2025: £13,773
    30/04/2025: £14,077
  • 31/05/2025: £14,336
    31/05/2025: £14,601
  • 30/06/2025: £14,635
    30/06/2025: £14,959
  • 31/07/2025: £15,221
    31/07/2025: £15,548
  • 31/08/2025: £15,269
    31/08/2025: £15,610
  • 30/09/2025: £15,748
    30/09/2025: £16,131
2020 2025

September 2020 to
September 2021		September 2021 to
September 2022		September 2022 to
September 2023		September 2023 to
September 2024		September 2024 to
September 2025
This fund20.6%-8.1%8.4%16.9%12.3%
Performance Comparator*17.3%-5.9%8.6%17.9%14.1%
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, 30 September 2020 to 30 September 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 30 September 2025

Higher risk

  • 2% - Shares (emerging markets)
  • 3% - Shares (UK)
  • 1% - Real estate investment trusts
  • 10% - Shares (overseas developed)
  • 3% - Bonds (emerging markets)
  • 3% - Bonds (high yield)

Lower risk

  • 15% - Cash
  • 20% - Short maturity bonds
  • 13% - UK Government bonds (Gilts)
  • 13% - Global government bonds
  • 3% - UK corporate bonds
  • 14% - Global corporate bonds
Key:
Higher riskShares (emerging markets): 2%
Higher riskShares (UK): 3%
Higher riskReal estate investment trusts: 1%
Higher riskShares (overseas developed): 10%
Higher riskBonds (emerging markets): 3%
Higher riskBonds (high yield): 3%
Lower riskGlobal corporate bonds: 14%
Lower riskUK corporate bonds: 3%
Lower riskGlobal government bonds: 13%
Lower riskUK Government bonds (Gilts): 13%
Lower riskShort maturity bonds: 20%
Lower riskCash: 15%
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.

Top holdings

The following is up-to-date as of 30 September 2025.

  1. abrdn Liquidity Fund
  2. abrdn Global Government Bond Index Fund
  3. L&G ESG GBP Corporate Bond 0-5 Year Fund ETF
  4. Vanguard UK Government Bond Index Fund
  5. Vontobel TwentyFour Sustainable Short Term Bond Fund
  6. abrdn Short Dated Global Inflation-Linked Bond Tracker Fund
  7. abrdn Global Inflation-Linked Bond Tracker Fund
  8. abrdn Short Dated Global Corporate Bond Tracker Fund
  9. abrdn Evolve Asia Pacific ex-Japan Equity Index 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 30 September 2025.

Key:
£7.5k
£10k
£12.5k
  • 30/09/2020: £10,000
    30/09/2020: £10,000
    2020
  • 31/10/2020: £9,987
    31/10/2020: £9,963
  • 30/11/2020: £10,182
    30/11/2020: £10,139
  • 31/12/2020: £10,254
    31/12/2020: £10,193
  • 31/01/2021: £10,237
    31/01/2021: £10,131
    2021
  • 28/02/2021: £10,059
    28/02/2021: £10,006
  • 31/03/2021: £10,132
    31/03/2021: £10,031
  • 30/04/2021: £10,214
    30/04/2021: £10,112
  • 31/05/2021: £10,237
    31/05/2021: £10,114
  • 30/06/2021: £10,309
    30/06/2021: £10,221
  • 31/07/2021: £10,432
    31/07/2021: £10,329
  • 31/08/2021: £10,484
    31/08/2021: £10,365
  • 30/09/2021: £10,357
    30/09/2021: £10,246
  • 31/10/2021: £10,420
    31/10/2021: £10,276
  • 30/11/2021: £10,482
    30/11/2021: £10,357
  • 31/12/2021: £10,465
    31/12/2021: £10,340
  • 31/01/2022: £10,287
    31/01/2022: £10,138
    2022
  • 28/02/2022: £10,163
    28/02/2022: £9,986
  • 31/03/2022: £10,127
    31/03/2022: £9,859
  • 30/04/2022: £9,956
    30/04/2022: £9,571
  • 31/05/2022: £9,911
    31/05/2022: £9,556
  • 30/06/2022: £9,647
    30/06/2022: £9,356
  • 31/07/2022: £9,871
    31/07/2022: £9,648
  • 31/08/2022: £9,721
    31/08/2022: £9,428
  • 30/09/2022: £9,313
    30/09/2022: £9,073
  • 31/10/2022: £9,394
    31/10/2022: £9,081
  • 30/11/2022: £9,583
    30/11/2022: £9,323
  • 31/12/2022: £9,495
    31/12/2022: £9,152
  • 31/01/2023: £9,683
    31/01/2023: £9,386
    2023
  • 28/02/2023: £9,578
    28/02/2023: £9,234
  • 31/03/2023: £9,668
    31/03/2023: £9,413
  • 30/04/2023: £9,692
    30/04/2023: £9,446
  • 31/05/2023: £9,618
    31/05/2023: £9,413
  • 30/06/2023: £9,609
    30/06/2023: £9,448
  • 31/07/2023: £9,689
    31/07/2023: £9,483
  • 31/08/2023: £9,643
    31/08/2023: £9,453
  • 30/09/2023: £9,559
    30/09/2023: £9,300
  • 31/10/2023: £9,518
    31/10/2023: £9,208
  • 30/11/2023: £9,769
    30/11/2023: £9,531
  • 31/12/2023: £10,051
    31/12/2023: £9,844
  • 31/01/2024: £9,963
    31/01/2024: £9,836
    2024
  • 29/02/2024: £9,960
    29/02/2024: £9,850
  • 31/03/2024: £10,110
    31/03/2024: £9,973
  • 30/04/2024: £10,015
    30/04/2024: £9,797
  • 31/05/2024: £10,041
    31/05/2024: £9,903
  • 30/06/2024: £10,186
    30/06/2024: £10,019
  • 31/07/2024: £10,271
    31/07/2024: £10,180
  • 31/08/2024: £10,348
    31/08/2024: £10,274
  • 30/09/2024: £10,430
    30/09/2024: £10,375
  • 31/10/2024: £10,358
    31/10/2024: £10,280
  • 30/11/2024: £10,451
    30/11/2024: £10,462
  • 31/12/2024: £10,389
    31/12/2024: £10,378
  • 31/01/2025: £10,502
    31/01/2025: £10,479
    2025
  • 28/02/2025: £10,543
    28/02/2025: £10,556
  • 31/03/2025: £10,471
    31/03/2025: £10,421
  • 30/04/2025: £10,512
    30/04/2025: £10,469
  • 31/05/2025: £10,574
    31/05/2025: £10,514
  • 30/06/2025: £10,697
    30/06/2025: £10,642
  • 31/07/2025: £10,800
    31/07/2025: £10,711
  • 31/08/2025: £10,830
    31/08/2025: £10,764
  • 30/09/2025: £10,943
    30/09/2025: £10,893
2020 2025
Virgin Money Defensive Fund comparisonSeptember 2020 to
September 2021		September 2021 to
September 2022		September 2022 to
September 2023		September 2023 to
September 2024		September 2024 to
September 2025
This fund3.5%-10.1%2.7%9.2%4.9%
Performance Comparator*2.5%-11.5%2.5%11.6%5.0%
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.

Want to check out the performance of another fund?

View our funds