Choosing the freestyle strategy means that:

• You invest in a mixture of passively and actively managed funds
• You can allocate your money to the asset classes you feel are most appropriate to your personal financial plans
• There's no automatic switching between investment classes

The freestyle equity funds invest in a selection of shares chosen by an investment manager. They aim to outperform the stockmarket but are riskier than index-tracking funds because your investment returns depend, to some extent, on the skill of the investment manager.

To see how the freestyle funds are managed, and what the charges are, go to fund management & charges.

The trustee monitors the performance of the investment fund managers and may appoint other investment managers as considered appropriate.

We can't give you advice about which strategy or funds to choose. If you can't make your mind up, you might want to see an independent financial adviser.