- Get the most from the DC Top-up Section
- Contribution options
- Your investment choices
- Documents and FAQ
Your investment options
The DC Top-up Section investment options
When you first join the plan you will need to choose where your payments are to be invested.
To help make an informed decision, the Trustee has split the options into four categories.
The Centrica Gateway Strategy
What is it?
It's a lifestyle profile, which means that as you get closer to retirement, it will gradually and automatically move your money into funds which aim to prepare your pension savings for retirement.
This option has been chosen by the Trustee with the help of its advisers because it believes it's a good option for most people in the company.
For full details on the Centrica Gateway Strategy please see the:
Centrica additional retirement savings booklet (PDF, 1MB)
The Centrica Gateway Strategy could be appropriate if:
- You don’t want to select your own investment options
- You don’t want to worry about moving your investments around as you approach retirement
I'm a new joiner of the DC Top-up Section but have been saving towards my pension for a number of years
I'm approaching retirement and starting to think about how I might take my benefits in a few years time
As with any investment its value can go down as well as up and may be worth less than what was paid in. lf you need help choosing your investments, you should seek financial advice. There is likely to be a charge for this.
Your investment choices
To help you make an informed decision we've provided you with important information that you should read. You should print or save copies of these documents for future reference.
Read this guide for more information on the DC Top-up Section. Please note, due to recent investment changes a new guide will be available in early 2018.
Read this guide for more information on the different ways you can pay into your pension, and the tax benefits and tax charges which can apply.
Information about tax relief, limits and your pension (PDF, 190KB)
Please access Mercer OneView via MyPension Hub (Workday - External Benefits) to nominate or update your beneficiaries online.
Read this guide if you are thinking about buying an annuity.
These documents have been provided by the Trustee of the Centrica Savings Plan and Centrica Pensions Plan Saving Section - Standard Life is not responsible for the content.