Target lifestyle strategies

A range of lifestyle strategies focused on three client retirement income choices

Our target lifestyle strategies offer a choice of three different retirement end points - cash, annuity and drawdown - and five risk levels. In addition, there are both passive and in-house active equity options.

So you can make investment decisions based on risk profile, asset allocation and desired client outcome. And as all the strategies are supported by our robust governance process, you can be confident that whichever strategies you choose for your clients will continue to meet their objectives.

Investment glidepaths

All of the target lifestyle strategies have a similar asset allocation until five years before retirement. At that point, the glidepaths change in line with each strategy's target outcome.

Here are the glidepaths for our Balanced Lifestyle Strategy, showing the different target outcomes - cash, annuity and drawdown.

All of the target lifestyle strategies benefit from monthly switching and a tactical asset allocation overlay - all at no extra cost.

Plus, they're suitable as workplace scheme defaults as they meet charge cap rules.

Benefits of the target lifestyle strategies