Target lifestyle strategies

A suite of strategies focussed on three customer retirement choices
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Read further information about the suite of Target Lifestyle Strategies.

For more information on the strategies, speak to your usual Royal London contact.

  • Target Cash
  • Target Annuity
  • Target Drawdown

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.

 Investment glidepaths

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.

Investment glidepaths - different end points for the Target strategies. Based on a balanced investor and benchmark allocations.
Different end points for the Target strategies. Based on a balanced investor and benchmark allocations.

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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

  • Targeted outcomes
  • Dynamic asset allocation
  • Meets charge cap rules for scheme defaults
  • Governance at no extra cost
  • Automatic switching and updates.
Last updated: 24 Sep 2018

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. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.