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Investment  >  Our Proposition  >  Lifestyling  >  Retirement Investment Strategies (RIS)

Retirement Investment Strategies (RIS)

As people move closer to retirement, it is likely their tolerance to risk will reduce. This is why it is unlikely that remaining in one fund would be appropriate to most investors.

Lifestyling recognises this issue and was created to provide an automatic switching facility from funds with higher volatility over the longer period to ones with less volatility as retirement approaches.

Traditional lifestyle arrangements moved investors through single asset classes with different perceived exposures to risk. For example, a typical strategy would have the investor starting in an Equity fund, moving gradually to a Managed fund, then as retirement nears, drip feeding into a bond fund and then finally into cash or deposit.

This arrangement is designed to increase the security of the investments as retirement approaches. Switching between each phase of these Retirement Investment Strategies is free and automatic and takes place over a period to minimise the effects of buying into or selling out of a particular market when values are at extreme highs or lows.

These strategies enable investors to benefit from potentially higher returns during the earlier years of their plan while increasing the security of investments when it matters most in the years immediately prior to retirement.

Scottish Life have a range of lifestyling strategies (known as Retirement Investment Strategies) to suit a variety of needs.  We have recently added to these with the introduction of Managed Strategies.

Investment returns may fluctuate and are not guaranteed.  The prices of units can go down as well as up.  Past performance is not a guide to the future.