Employee Choice Playbook: Three Must-Dos Before Switching

What homework comes before switching trustees?

The playbook: before switching, check the target’s fund returns truly beat yours, its fund range fits you, and its fees (FER) are truly lower; switching isn’t following the crowd — it’s doing the math. One chance a year — don’t waste it.

Switch once and you’re done?

No. Switching is the start; review yearly after — life stages and markets change, so must the mix. Regularly compare funds’ performance and fees and max out Employee Choice.