Our Target Lifestyle Strategies offer a choice of three different retirement end points targeting cash, annuity and drawdown. There are five risk-graded versions of each strategy with both passive and in-house active equity options to choose from.
This allows you to make investment decisions based on risk profile, asset allocation and desired client outcome and be confident that a governance process is in place to ensure the strategy continues to meet its objective.
The Target Lifestyle Strategies all share a similar asset allocation journey until five years before the retirement date. At that point, each strategy takes off on their own unique glidepath with the aim of delivering a fluid and gradual descent to the client’s desired outcome.
The following shows the different end points for the strategies based on a balanced investor.
Different end points for the Target strategies. Based on a balanced investor and benchmark allocations.
The strategies benefit from monthly switching and a tactical overlay. They’re available from no extra cost and can be used as an investment default if chosen by the adviser or the employer.
Benefits of the Target Lifestyle Strategies