Our investment options

Our range of investment options aims to make it easy for you to meet your client's needs.
In depth

For more detailed information download Pension investment options - a clear and simple guide

Monitoring and updating your client's pension investments can be time consuming.

That's why our 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.

Investment returns may fluctuate and are not guaranteed, you could get back less than the amount paid in.

Governed Range

Governed Portfolios

Our 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 meet the needs of your client.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.

Lifestyle Range

Our Target Lifestyle Strategies have been specially created to provide a consistent approach that is regularly monitored and automatically updated. There are three sets of Target Strategies to choose from, each with five risk-graded versions featuring both passive and active equity management styles to choose from.

For each risk category you can choose a Target Lifestyle Strategy to target either cash, annuity or drawdown at retirement.

Flexible option - 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. You can choose to target either cash, annuity or drawdown at retirement.

Governed Retirement Income Portfolios

Our 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.

Fund Range

Choose from a wide range of over 160 funds, from 28 fund managers, with the option to select auto-rebalancing.

Our Matrix funds are a range of equity funds which come with added governance as standard.

Self Investments

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.

Custom Range

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.

Investment expertise

By choosing Royal London, you and your clients can also benefit from the expertise of our sister asset management company, Royal London Asset Management (RLAM).

Last updated: 10 Feb 2017

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London EC3V 0RL.