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Media > Investment for Media > 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 asset classes with different perceived exposures to risk. For example, within a typical strategy the investor starts in a Equity fund, moving gradually to a Managed fund, then as retirement approaches, drip feeding into a bond fund and then finally into cash or deposit.
These strategies enable investors to benefit from potentially higher returns during the earlier years of their plan while reducing the risk of investments when it matters most in the years immediately prior to retirement.
We offer a range of Retirement Investment Strategies, further details of the most popular strategies can be found using links below:
- Balanced Retirement Investment Strategy
- Cautious Retirement Investment Stratgey
- Opportunity Retirement Investment Strategy
In addition to these traditional arrangements we also offer an innovative Retirement Investment Strategy which uses our Managed Strategies. This new Lifestyle strategy is called the Managed Retirement Investment Strategy. Further detail can be found using the following link:
You may find the following leaflet about our most common Retirement Investment Strategies useful:
Investment returns may fluctuate and are not guaranteed. The price of units can go down as well as up.
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Scottish Life is a division of Royal London and markets products produced by Royal London. Royal London consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited provides life and pension products, is a member of the Association of British Insurers and is authorised and regulated by the Financial Services Authority, registration number 117672. Royal London Marketing Limited acts as an insurance intermediary for general insurance products and is authorised and regulated by the Financial Services Authority, registration number 302391.
