Are you willing to spend some time on your pension savings? Do you want to choose investments and have a higher share of equity stocks? Then you can choose unit-linked insurance and move on and select separate funds from the company’s offering. If you choose unit-linked insurance, there are no guarantees. The size of the pension capital depends on how the investments are going and what fees you have to pay.
You can also decide to remain in the default investment solution. The unit-linked insurance company chooses which funds should be included and which level of risk the funds should have.
Default investment solutions change gradually from a high share of equity investments to safer investments as retirement approaches, and thus mean lower risk than individual funds.