Our Investment Options
Our range of investment options aims to make it easy for you to meet your client's needs.
Monitoring and updating your client's pension investments can be time consuming. Not only are you subject to onerous TCF responsibilities to ensure the ongoing suitability of your advice, you also have to try and achieve this within a limited budget. Not easy in the current climate.
That's why our new range of investment options aims to make this process as simple and transparent as possible.
You'll find a summary of the options available below. There's more detailed information in Pension investment options - a clear and simple guide. Investment returns may fluctuate and are not guaranteed, you could get back less than the amount paid in.
Our award-winning Governed Portfolios are a range of off-the-shelf investment solutions built for customers looking to save into a pension. We have nine risk graded portfolios designed to take care of ongoing suitability requirements to help you comply with TCF principles. All come with regular governance reviews and auto rebalancing at no extra charge. You can also change the default equity fund to any available within our range.
Fixed - Our range of risk graded governed lifestyle strategies means it's easier to choose which one suits your client's requirements.
Flexible - If you want to offer a more tailored service you can create your own lifestyle strategy within our framework. This includes a choice of equity fund manager at each stage of the strategy with further options at retirement.
Governed Retirement Income Portfolios
We have introduced a new range of Governed Retirement Income Portfolios designed exclusively for customers taking regular income from their Pension Portfolio using Income Release. There are five Governed Retirement Income Portfolios to choose from depending on the client's attitude to risk. All come with the same expert governance and automatic updates that the Governed Portfolios benefit from to help keep the portfolios on track.
Choose from a wide range of over 160 funds, from 29 fund managers, with the option to select auto-rebalancing. This includes a range of risk graded multi asset fund of funds run by leading discretionary fund managers, 7IM, Brooks Macdonald, Cazenove and Rathbones.
Our Matrix funds are a range of equity funds which come with added governance as standard.
You can access a fund supermarket, share dealing service and all other permitted investments you would expect within our Pension Portfolio contract, including UK commercial property. Additional charges apply for these services.
There are two options within our custom range. You can customise our governed range and make it available to your clients. This means they can benefit from regular governance reviews and automatic updates at no extra cost. Alternatively you can create your own bespoke branded, static portfolio of funds or lifestyle programmes, with your choice of rebalancing frequency, asset allocation and funds from our range.
Updated 12 February 2013
For professional advisers only