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PERSONAL PENSION

CHOOSE YOUR OWN FUNDS

Man on swing over water

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

As you're in control of where your money is invested, we will not move your money into lower risk funds as you approach retirement. This happens automatically with our Straightforward approach, but not if you have selected your own funds.

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