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Adviser  >  Investment for Advisers  >  Our Proposition  >  Managed Strategies  >  Managed Strategies

Managed Strategies

Each of your clients will have their own financial goals and circumstances to take into consideration when thinking about how to invest for retirement. Taking these goals and circumstances into consideration, there are a few things you will no doubt want to bear in mind when recommending how they invest their pension savings, such as:

• What level of risk are your clients willing to take to achieve the return they are looking for?
• How much time do they have until they retire and does this affect their choice of funds?
• Is their selected portfolio fully diversified?
• and, will the portfolio you're recommending remain suitable to your clients over time?

With all of these things in mind, Scottish Life created Managed Strategies. Employing the services of Barrie & Hibbert, an independent risk consultancy with expertise in sophisticated modelling tools, we created a range of nine benchmark asset allocations strategies, collectively known as Managed Strategies.

What are the Managed Strategies?

With clear objectives that will not change over time, our strategies not only take into account the risk appetite of your client, but the time they have until retirement.

The mix of assets held within each strategy is determined by the Investment Advisory Committee (IAC) normally on a quarterly basis.  The asset allocation is based on the long term analysis by Barrie and Hibbert combined with short term investment opportunities which are highlighted to the IAC by Royal London Asset Management. The IAC review both reports and from these set the asset allocation of each Managed Strategy for the next period.  Details of the IAC meetings can be found on the Meeting Summaries page.

For details on each of the individual Managed Strategies please find fund factsheets:

Cautious Short Term Managed Strategy

Cautious Medium Term Managed Strategy

Cautious Long Term Managed Strategy

Balanced Short Term Managed Strategy

Balanced Medium Term Managed Strategy

Balanced Long Term Managed Strategy

Adventurous Short Term Managed Strategy

Adventurous Medium Term Managed Strategy

Adventurous Long Term Managed Strategy

Why invest in Managed Strategies?

There are many benefits of Managed Strategies and these are covered in our Governanace Update Sales Aid but the key benefits are summarised below:

Governance - A regular review process to ensure all strategies remain appropriate. This is done to ensure the strategies remain true to their risk and time profiles.

Automatic Updates - Clients invested in Managed Strategies will benefit from the IAC changes automatically and do not need to make any manual changes.

Rebalancing - Managed Strategies, as standard comes with monthly rebalancing.  If a strategy is not rebalanced regularly, the asset split can drift significantly over time and the risk of the portfolio could change.

Flexibility - Managed Strategies offers the option to exchange the default equity option (Scottish Life Global Managed fund) from any of our other equity funds within the range.

Investment returns may fluctuate and are not guaranteed.  Prices may go down as well as up.