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Changing your funds

As your attitude to risk may change over time, you may want to change your investment choices from time to time.

If you are in DC Start or DC Core, or you have DC overcap contributions or AVCs in DC Core, it is important that you regularly review your investment choices to ensure that they are still appropriate for you.

As an active member of DC Core, you can change your investment choices quarterly by completing an Investment choices form and returning it to Nestlé Pensions. If you are in DC Start, you would need to move to DC Core if you want to change your investment choices. You would need to contribute a minimum of 5% of your Pensionable Earnings, but you would also receive higher contributions from Nestlé.

Deferred members of DC Core can change their investment choices quarterly by completing and returning an Investment choices form.

When you change your investment choices, you have various options:

  • to invest in the Lifetime Pathway fund – in this case, all of your account must be directed to the Lifetime Pathway fund;
  • to direct all your past and future contributions to any combination of the nine self-select funds;
  • to change the way your account is split across the range of self-select funds you have chosen.

If you change your investment choices, all of your contributions, both those you’ve already made (including any to DC Start) and any future ones, will be invested in accordance with your new investment instructions.

If you ask to change your investment choices, we will sell the units you hold in your current funds and use the cash generated to buy units in the new funds you have selected. Here are some other things you should be aware of when making a change:

If you would like advice about your investment choices, you should contact an Independent Financial Adviser (IFA). The Money Advice Service has a directory of advisors who are authorised by the Financial Conduct Authority and can be found at: