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Regulatory guidance

Regulatory guidance

Making pension fund choices: think before you choose

This guide is designed to help members understand the DC fund choices available to them. 

It can be used by anyone involved in communicating with members about their DC scheme.

Although there is no requirement on trustees or employers to use the guide, it may help you to provide your members with useful information in the important area of making DC fund choices.

 Download Making pension fund choices: think before you choose

View Making pension fund choices: think before you choose

Key points

  • This is a straightforward, high level, guide which will encourage members to think about their fund choices. It can complement existing scheme communications (which should include information under the disclosure of information to scheme members requirements) including information about available funds.
  • There are two ways you can use the guide:
    • You can download the PDF version and issue it to scheme members to sit alongside your existing communications. You might, for example, issue it together with the scheme booklet or the annual benefit statement, or as a free-standing document, to complement previous member communications.
    • You can simply copy and paste some or all of the html version to use in your own member communications, perhaps when you next review your scheme communications, or whenever you have a suitable opportunity.
  • The guide can be used by:
    • trustees and employers who operate trust-based schemes with DC benefits; and
    • employers who offer membership of a group personal pension or stakeholder pension scheme.
  • It will also be of interest to scheme providers, insurance companies and scheme advisers involved in the design of member communications materials relating to DC scheme investments.