Your Pension - Your Future 

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ZCashBuilder - Investing for your Future

04 Nov 2025

When saving for retirement, it’s not just about how much you save – it’s also about how you invest it.  

The goal is to grow your savings over time, so you can enjoy the best possible outcome when it’s time to take your pension benefits.  Your pension is your future.

You can choose where to invest…

With ZCashBuilder, you decide where to invest your contributions. There are 14 different funds to pick from and 3 lifestyle strategies offering a range of investment options.  

Deciding where to invest can feel daunting. But don’t worry, there’s plenty of help available:  

If you’re unsure or don’t want to choose, your pension savings will automatically go into one of our default strategies.  

Want to change where your funds are invested? Just log into your member account to make the switch.  

Two new ZCashBuilder responsible investment Funds 

In September 2025, the Trustees introduced two new responsible investment funds:  

  • Zurich Climate Focus World Equity Fund
  • Wellington Global Credit ESG Fund

The Zurich Climate Focus World Equity Fund aims to build a diverse portfolio of global shares in developed markets. It uses a passive management approach and focuses on:  

  • Cutting the carbon footprint of its investments  
  • Supporting clean technology companies  
  • Steering clear of controversial businesses  
  • Reducing reliance on fossil fuel-related companies  

Any remaining carbon footprint is balanced out with high-quality carbon credits chosen by Zurich.  

The Wellington Global Credit ESG Fund mainly invests in a mix of high-quality corporate bonds. The fund manager considers environmental, social, and governance (ESG) factors when researching investments, focusing particularly on company governance and carbon emissions.  

Don’t forget

  • The sooner you start saving, the better; even a small increase in your contributions gives more time for your money to grow through investment returns and compounding. 
  • You can contribute as much as you like to your pension, but there are annual and lifetime limits on the tax relief you can get.  

  • Where you save is also important as pensions are for the long term. Over time, your investments should grow, but in the short term, markets can go up and down.  

  • It’s important to check how your savings are invested. Are they still right for your retirement goals? We recommend reviewing this at least once a year, or more often if you can.  

  • Not sure where to invest? It’s a good idea to get financial advice.  

None of the information given on this website can give you legal rights or benefits that differ from those provided in the Trust Deed and Rules. In the case of uncertainty or conflict between the content on this website and the Trust Deed and Rules, the Trust Deed and Rules (as amended from time to time) will prevail. 

You should consider taking independent financial advice on your options in relation to your benefits under the Scheme. Neither the Scheme Trustee (Zurich Financial Services UK Pension Trustee Limited) nor any member of the Zurich Group (i.e. Zurich Insurance Group Ltd - registered in Switzerland with number CH-020.3.023.089-6 and its direct and indirect subsidiaries) are able to provide you with financial advice or accept any liability for any decision you make with regards to your retirement options.