The pension scheme gives employers the freedom to decide whether they want their employees to have a great deal of investment choice, a limited investment choice or no investment choice. If an employee has been given no investment choice, their capital will be invested in a manner that is in line with a Neutral investment profile. In other cases, they will be able to choose whether they wish to invest along the lines of a Defensive, Neutral or Offensive investment profile. If an employee has been given a great deal of investment choice, they will be able to opt for self-directed investment as well as profile investment. Self-Directed Investment allows the employee to select one or more funds from a broad range of funds.