FOR ADVISERS ONLY
Our investment pathways solutions
Although these changes are primarily aimed at non-advised drawdown customers, they’ll also be available to your drawdown clients.
Our investment pathways solutions
We’ve used our extensive knowledge and experience to design our own four investment pathways. These are an extension of our well-known investment solutions which have a proven track record for delivering on risk, returns and governance. There will be no change to our existing charging structure.
Here’s an outline of the four investment pathways we’ll offer from 1 February 2021:
| Option 1: I have no plans to touch my money in the next 5 years |
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| Investment pathway 1: designed to deliver growth above inflation for a customer who has no short term plans to access their savings. Mapping at launch*: Governed Portfolio 6 (drawdown) |
| Option 2: I plan to use my money to set up a guaranteed income (annuity) within the next 5 years |
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Investment pathway 2: designed to maintain annuity buying power for a customer looking to buy an annuity in the short term. Mapping at launch*: RLP annuity fund |
| Option 3: I plan to start taking my money as a long-term income within the next 5 years |
| Investment pathway 3: designed to deliver growth above inflation to support sustainable income withdrawal. Mapping at launch*: Governed Retirement Income Portfolio (GRIP) 3 |
| Option 4: I plan to take out all my money within the next 5 years |
| Investment pathway 4: designed to offer the potential for above inflation growth while supporting short term withdrawal needs. Mapping at launch*: Governed Portfolio 3 |
* We’ll set up each investment pathway to mirror an existing investment option from 1 February 2021, they’ll then be reviewed and updated in the future if required. This is possible because of the range of advanced retirement investment options we offer. This approach will help you and your clients easily understand each option.
