Your investment allocations can be changed at any time by heading to Settings > Allocations > Change allocations. From here, you can either edit your current settings or switch to one of our three Starting Options (Cautious, Balanced, or Adventurous).

How long does it take to change investment allocations? 📅

When you change your allocation, what happens next will depend on whether you select 'future' or 'all' investments.

Selecting ‘future’ will take effect straight away, and any future contributions made will be invested in the newly set allocation. Your current investments will be untouched.

Selecting ‘all’ rebalances your investments to match your new allocation, which involves selling some or all of your existing investments. We will sell units in funds you are moving out of in order to repurchase units in the ones you have chosen. We will only sell what is needed to reach your new allocation.

This process can take up to three weeks whilst your units are sold down and re-purchased in the funds according to your new allocation.

During this time, any units being rebalanced will be out of the market and will not be available for withdrawal.

It’s also worth noting that any recent deposits which are in the process of being invested won't be included in changes you make to your investment allocation, however once any pending investments have settled, you can request a second rebalance to move these over to your new allocation.

How do I switch to Socially Responsible investing? 🌎

You’ll see our Socially Responsible investment options labelled with a green ‘SR’ tag. If you’d like to browse our fund range, head to Accounts > Select account > Tap on the three dots in the bottom right > Fund range. You can also view all of our available funds on our website here.

When viewing our Starting Options in Settings > Allocations > Change allocations, you can also toggle the Socially Responsible Investing switch at the top of the screen.