View Terms & Conditions
View Terms & Conditions
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This tool is solely for use by you as a member of the DC Section of the DHL Group Retirement Plan and is not intended for use for any other purpose or by any other person. Access to this tool is provided to you by the Trustee of the DHL Group Retirement Plan. By accessing this tool further you accept the following terms and conditions. The material contained in this tool is provided for information purposes. It is based on the details we hold for you, current law and regulatory guidance and on the Plan's Trust Deed and Rules. In the event of any inconsistency the Plan's Trust Deed and Rules will override the information contained in this tool. The Trustee has used its reasonable endeavours to ensure that this tool is accurate at the time of launch. However, the material contained in this tool may be incomplete or overtaken by changes in law or regulations or changes to the Trust Deed and Rules. The tool is based on the current investment options available under the Plan at the date of launch which the Trustee has the power to change from time to time. Furthermore, you should be aware that the information given does not constitute investment or other advice and therefore should be independently verified before you take any action that relies on it. This tool is made available to you without any acceptance of responsibility to you by the Trustee of the DHL Group Retirement Plan and any member of the Deutsche Post DHL Group; all warranties are excluded to the extent permitted by law. In particular, no representation, warranty or undertaking, express or implied is or will be made or given by the Trustee of the DHL Group Retirement Plan and any member of the Deutsche Post DHL Group in relation to the accuracy or completeness of the information provided by the tool that can be used as the basis for making investment or pension planning decisions. Your investment choices in the Plan are your decision. There are four Lifestyle strategies with a choice of two Lifestyle routes to retirement, as well as a choice of ten Freestyle funds. If you do not make a choice, your pension account will be invested in the Lifestyle Diversified Growth strategy which switches to Lifestyle 1, 10 years from the Plan's normal retirement age. You should consider taking financial advice before making any investment decisions and the Trustee strongly recommends that you do so.
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When it comes to investing our savings, we're all different. The DHL Investment Decision Journey Tool is designed to help you understand how your age, your retirement plans and your attitude to risk may influence the way you choose to invest your pension account.
Take two minutes to answer some questions about yourself and consider which of the Plan's investment options might be right for you.
The tool does not provide financial advice or recommendations; it is only a guide to explain the choice of investment options available in the Plan. View the terms and conditions for more details.
Start
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
Your answer suggests Lifestyle might be right for you. Lifestyle is automatic: it manages your investments for you.
There are four Lifestyle strategies. The main difference between most of them is the level of risk they take in the years furthest away from retirement.
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
It is important to check whether your pension account is invested in a way that suits your plans, right up until the point you decide to access it. Don't forget whichever option you choose, you can currently take up to 25% of your savings as tax-free cash when you retire.
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
Confirm
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
Confirm
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
I'd like to be in control and choose how my funds are invested from the options available.
I'd prefer my pension account to be automatically invested in pre-selected funds.
Confirm
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
Confirm
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
Your answer suggests that you may want to choose your own selection of Freestyle investment funds. They include the Amanah Fund which is a high-risk fund investing in equities compliant with Sharia law.
In Freestyle, there are 10 funds each with varying levels of risk. You can change the mix of funds when you like or move to one of the Lifestyle strategies if you prefer. As a Freestyle investor it's important that you keep an eye on your investments regularly so they continue to match your attitude to risk and suit your retirement plans.
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
| Name | Invests In | Risk |
|---|---|---|
| Global Equity 30:70 Fund | Global and UK equities | High Risk |
| World Emerging Markets Equity Index Fund | Emerging market equities | High Risk |
| Ethical Global Equity Index Fund | Ethical global and UK equities | High Risk |
| Amanah Fund | Sharia compliant equities | High Risk |
| Diversified Growth Fund | Variety of assets | Medium/High Risk |
| Alternatives Fund | Variety of assets | Medium/High Risk |
| Cautious Growth Fund | Bonds and other assets | Low/Medium Risk |
| Pre-Retirement Fund | Bonds | Low/Medium Risk |
| Over 5 Years Index-Linked Gilts Index Fund | UK Government Gilts | Low/Medium Risk |
| Liquidity Fund | Cash-like assets | Low Risk |
Confirm
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
You have selected to find out more about an investment vehicle that is compliant with Sharia Law. Sharia law is the body of Islamic law. The term means "way" or "path"; it is the legal framework within which the public and some private aspects of life are regulated for those living in a legal system based on Islam.
The DHL Group Retirement Plan has a freestyle fund which is compatible with the Sharia Law, called the Amanah Fund. Each underlying investment asset has been verified by Islamic scholars, and excludes shares in companies which profit from products such as arms, alcohol, tobacco and pork.
This Fund has high expected returns but also carries a high level of risk. This means that the value of investments in this fund could go up and down significantly from year to year, but is expected to grow in the long term. It also carries a high level of risk because it doesn't spread risk in the same way that most of our other funds do, as it can only invest in shares that are Sharia compliant.
It may be suitable if you are some way from retirement looking for long-term investment growth and you wish to invest in a fund that is compliant with Sharia Law.
To find out more about this fund and other Freestyle options, click next. If you are after the fund compliant with the Sharia Law, look for the Amanah Fund. If you do not wish to follow this type of investment, click on the back button to change your selection.
Please note the value of investments can go down as well as up. The Investment Decision Journey Tool does not constitute advice.
If your pension account is invested in a Lifestyle strategy, look at which route it is taking to see if the funds in which you invest, in the 10 years up to retirement, suit your retirement plans and how you may want to access your savings in future.
If you choose a Lifestyle route, you should remember that you will still have a choice of options at retirement (annuity, cash and transfer out to access income drawdown, or a combination of all these options). And, if you feel that neither of these routes suits your retirement plans, you can choose your own mix of Freestyle funds.
The Lifestyle 1 route gradually moves a portion of your savings into a diverse mix of low-risk investments, mainly bonds and cash. It assumes that you will take 25% of your pension account as tax free cash (under current rules) and buy an annuity (secured income) with the rest.
The Lifestyle 2 route gradually moves a portion of your savings into cash and some other diverse, low-risk funds, mainly bonds. It assumes that you will take the entire value of your pension account as cash in one go (of which, under current rules, 25% will be tax-free and the remainder taxed at the highest rate that applies to you).
If you believe that you will transfer out of the Plan so that you can access income drawdown, you will probably elect to continue to invest for growth. So, the Freestyle funds may be more suitable for you.
Don't forget, if you're invested in Freestyle, it's up to you to make sure you're invested in a way that reflects how you plan to take your pension account.
Find Out More
Your priority is to protect your savings, so you may want to review this strategy further to determine if it's right for you. In the years furthest away from retirement, this strategy invests mainly in bonds and cash, but also other assets including shares and property.
You prefer low risk investments and are looking to protect the value of your savings.
Not you? Go back. If this sounds right - find out more.
You are open to some investment risk in return for the possibility of steadier growth. As such, this strategy might be worth further investigation. In the years furthest away from retirement, this strategy invests in a diverse mix of funds, aimed at spreading risk.
You want to grow your savings over the long term.
Not you? Go back. If this sounds right - find out more.
You are more willing to weather the highs and lows of the stock markets so you might wish to explore Lifestyle Equity Growth. If your ethical principles are important in your investment decisions, Lifestyle Ethical Growth could be an additional option to consider. In the years furthest away from retirement, both Lifestyle strategies invest in shares of UK and overseas companies.
You're working towards long term growth but you are happy to take the risk that your savings may fall.
Not you? Go back. If this sounds right - find out more.
Download your member guide
Your investment options
The four Lifestyle strategies aim to grow your investments in the years furthest away from retirement and gradually introduce some protection for your savings as you approach retirement.
As you get nearer retirement, you should think about whether your investments suit the way you plan to use your retirement savings. This may mean investing in Bonds and Gilts that track the cost of buying an annuity, investing in Cash or investing in your own choice of funds if you plan to access your savings outside the Plan. You can take your savings any time from age 55 (increasing to age 57 from 2028 under current rules).
Will you buy an annuity, take the whole amount as cash in one go or choose another retirement option such as transferring out to access income drawdown? Whatever you decide, you should make sure your investments are aligned with your retirement plans.
If you don't make a choice, you will be invested in the default.
| Years furthest away from retirement | Invests In | Risk |
|---|---|---|
| Lifestyle Equity Growth | UK and global shares | High Risk |
| Lifestyle Ethical Growth | Ethical UK and global shares | High Risk |
| Lifestyle Diversified Growth (default) | Variety of assets | Medium/High Risk |
| Lifestyle Cautious Growth | Bonds and other assets | Low/Medium Risk |
| Approaching Retirement | Invests In | Risk |
| Lifestyle 1 (default) | Mostly bonds and some cash | Low/Medium Risk |
| Lifestyle 2 | A diverse mix of assets and cash | Low Risk |
If you prefer to control your own investment choices, there are also 10 Freestyle funds, each with varying degrees of risk for potential growth.
| Name | Invests In | Risk |
|---|---|---|
| Global Equity 30:70 Fund | Global and UK equities | High Risk |
| World Emerging Markets Equity Index Fund | Emerging market equities | High Risk |
| Ethical Global Equity Index Fund | Ethical global and UK equities | High Risk |
| Amanah Fund | Sharia compliant equities | High Risk |
| Diversified Growth Fund | Variety of assets | Medium/High Risk |
| Alternatives Fund | Variety of assets | Medium/High Risk |
| Cautious Growth Fund | Bonds | Low/Medium Risk |
| Pre-Retirement Fund | Bonds and other assets | Low/Medium Risk |
| Over 5 Years Index-Linked Gilts Index Fund | Bonds | Low/Medium Risk |
| Liquidity Fund | Cash-like assets | Low Risk |
The Plan's investments try to cater for all members according to their age, retirement plans, attitude to risk and also, their principles. The Lifestyle Ethical Growth strategy and the Freestyle fund, Ethical Global Equity Index Fund, invest in ethical companies. Freestyle also offers an Amanah Fund, which invests in companies compliant with Sharia law. You can read more about the different options in your member guide.
Guidance and advice
If you want advice about your investments and your retirement options, you should talk to a financial adviser - search for 'Financial Advisers' on the Money Advice Service website at www.moneyadviceservice.org.uk
Download your member guide
The amount you have saved by the time you retire will depend largely on how much you contribute and how you choose to invest your pension savings. Explore your investment options so you can choose the investment route that is best suited to you, now and in the future.
The four Lifestyle strategies aim to grow your investments in the years furthest away from retirement and gradually introduce some protection for your savings as you approach retirement. You should think about how you will want to invest your savings in the last 10 years before you approach retirement, in funds that align with how you might want to access your savings when you stop work. You can choose the Lifestyle 1 route (default), Lifestyle 2 route or your own selection of Freestyle funds.
If you don't make a choice, you will be invested in the default.
| Years furthest away from retirement | Invests In | Risk |
|---|---|---|
| Lifestyle Equity Growth | UK and global shares | High Risk |
| Lifestyle Ethical Growth | Ethical UK and global shares | High Risk |
| Lifestyle Diversified Growth (default) | Variety of assets | Medium/High Risk |
| Lifestyle Cautious Growth | Bonds and other assets | Low/Medium Risk |
| Approaching Retirement | Invests In | Risk |
| Lifestyle 1 (default) | Mostly bonds and some cash | Low/Medium Risk |
| Lifestyle 2 | A diverse mix of assets and cash | Low Risk |
If you prefer to control your own investment choices, there are also 10 Freestyle funds, each with varying degrees of risk for potential growth.
| Name | Invests In | Risk |
|---|---|---|
| Global Equity 30:70 Fund | Global and UK equities | High Risk |
| World Emerging Markets Equity Index Fund | Emerging market equities | High Risk |
| Ethical Global Equity Index Fund | Ethical global and UK equities | High Risk |
| Amanah Fund | Sharia compliant equities | High Risk |
| Diversified Growth Fund | Variety of assets | Medium/High Risk |
| Alternatives Fund | Variety of assets | Medium/High Risk |
| Cautious Growth Fund | Bonds | Low/Medium Risk |
| Pre-Retirement Fund | Bonds and other assets | Low/Medium Risk |
| Over 5 Years Index-Linked Gilts Index Fund | Bonds | Low/Medium Risk |
| Liquidity Fund | Cash-like assets | Low Risk |
The Plan's investments try to cater for all members according to their age, retirement plans, attitude to risk and also, their principles. The Lifestyle Ethical Growth strategy and the Freestyle fund, Ethical Global Equity Index Fund, invest in ethical companies. Freestyle also offers an Amanah Fund, which invests in companies compliant with Sharia law. You can read more about the different options in your member guide.
If you want advice about your investments and your retirement options, you should talk to a financial adviser - search for 'Financial Advisers' on the Money Advice Service website at www.moneyadviceservice.org.uk
Click the button below to return to the DHL Pensions Website.
