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You searched for the term Sustainable income Your search returned the following 40 results...
 
  • Income sustainability - Royal London for advisers

    Income sustainability – our view One of the key conversations you'll have with your drawdown clients is how to sustain their desired level of income when they retire. Of course every client is different.  But the amount of sustainable income they can take from their plan will generally depend...

  • Six years strong - Royal London for advisers

    ...a sustainable retirement income for your clients  Performance – all GRIPs have outperformed benchmark since launch*  Six year track record – five multi-asset portfolios with a proven track record   *Source: Lipper, 29.08.2018 Six year anniversary animation Supporting a sustainable retirement income...

  • Sustainable income levels can safeguard portfolio strength during volatile markets - Royal London for advisers

    How sustainable income levels can protect portfolio strength 15 February 2019 Share Share Taking a sustainable level of income is important in helping drawdown customers maintain a resilient portfolio during periods of investment volatility. ×Close Customers in income drawdown should think about...

  • 5l1171-the-cost-of-living-longer.pdf

    ...to be increasingly important for your clients to make the right investment decisions so that they will have a sustainable income which will last the rest of their lives. To make sure your clients are prepared for a retirement which could last 30 years or more there are three key areas to consider: LIFE...

  • Royal London’s at-retirement solution ‘highly commended’ at DC Awards - Royal London for advisers

    ...also help their clients enjoy a sustainable income in retirement. The judges awarded us based on our decumulation proposition, which supports advisers in their drawdown discussions and helps them to review drawdown plans on an ongoing basis. The proposition consists of our five multi asset portfolios...

  • Drawdown trends and safe withdrawal rates - Royal London for advisers

    ...pointed towards 4% being considered a sustainable level of income. Our view is that individual circumstances will mean that it will be different for everyone. The real issue for advisers is how to set realistic expectations with clients in terms of what a sustainable level of income looks like and how...

  • ff5p10003-rlp-sustainable-managed-income-trust.pdf

    RLP SUSTAINABLE MANAGED INCOME TRUST FUND FACTSHEET June 2018 Objective Aim: Investment process: Management style: The investment objective is to produce a consistently higher level of income relative to typical cash deposit interest rates. The Trust invests predominantly in a diverse portfolio...

  • Carefully crafted investments - Royal London for advisers

    ...achieve a sustainable income in retirement. With a diversified mix of assets, the GRIPs are designed to be resilient and cope with market shocks, whilst also capturing the upside. Find out more To find out more about our GRIPs or our full Governed Range, visit the investment area of our website, or speak to your usual Royal London contact.  Last updated: 15 May 2019...

  • Governed range 1 million - Royal London for advisers

    (GRIPs) are designed for taking a regular income in retirement: 5 risk targeted portfolios designed for taking regular income 5 years of robust performance*** A track record in delivering a sustainable income*** Dynamic asset allocation. Sources *As at 05/03/2018 **Lipper 13/01/2018 ***Lipper 29/08...

  • br5p10007-the-sustainable-fund-range-brochure.pdf

    Primarily driven by negative screening Animal Testing Alcohol Gambling Environment Human Rights Tobacco Our five multi asset sustainable funds range from 100% equities to 100% fixed income, so there’s a wide range of options to suit where your clients sit on the risk-return spectrum. The funds can...

  • sa5pd0002-sustainable-withdrawls.pdf

    INCOME SUSTAINABILITY Helping your clients sustain a regular retirement income THIS IS FOR FINANCIAL ADVISER USE ONLY AND SHOULDN’T BE RELIED UPON BY ANY OTHER PERSON. Sustainability Income sustainability shows the probability of a client being able to sustain their income for the period required...

  • A gripping six years - Royal London for advisers

    ...designed for clients who are looking to take a sustainable, regular income from their retirement savings. Investing across a well-diversified mix of assets, they aim to deliver real returns and to respond better to market downturns whilst also capturing market upside. It’s now been six years since...

  • The Sustainable Fund Range - Customer guide

    ...as well as rise and you may get back less than you pay in. 3 of 6 OUR SUSTAINABLE FUND RANGE There are five multi asset sustainable funds to choose from, ranging from 100% fixed income to 100% equities. This means there’s a wide range of options to suit how you feel about risk. The sustainable funds...

  • PowerPoint Presentation

    , increasing 2% pa, from £100k pot All scenarios return 4% on average, but can provide significantly different outcomes MODELLING OUTCOMES STOCHASTIC Range of outcomes Source: Royal London, August 2018, showing stochastic modelling outcomes INCOME SUSTAINABILITY HEAT MAP Highly Sustainable 85%-100...

  • Our approach to responsible investment - Royal London for advisers

    Sustainable Managed Income Trust Royal London Asset Management 1.00% 0.00% 1.00% RLP Sustainable World Trust Royal London Asset Management 1.00% 0.00% 1.00% RLP/HSBC Amanah Global Equity Index HSBC 1.00% 0.25% 1.25% RLP/Jupiter Ecology Jupiter 1.70% 0.03% 1.73% UN Principles of Responsible Investing...

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    Investment overview

  • RLP Sustainable fund factsheets - Royal London for advisers

    ...aims to provide growth in the value of your investment over time, by investing predominantly in the shares of UK companies. RLP Sustainable Managed Growth Trust The investment objective is to provide a total return by way of accumulated income, with some capital growth. RLP Sustainable Managed...

  • Why there’s no such thing as a typical drawdown customer - Royal London for advisers

    sustainable. However, the DGS data showed two broad groups of customers using income drawdown in different ways. The first group mostly have retirement savings of less than £25,000 and take their income at a higher median rate of approximately 10%. Although a withdrawal rate of 10% would be unsustainable...

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    News

    Blog

  • sa5pd0003-grips-managing-risk.pdf

    GOVERNED RETIREMENT INCOME PORTFOLIOS – MANAGING RISK Our Governed Retirement Income Portfolios – or ‘GRIPs’ for short – are designed to help you achieve a sustainable level of retirement income and help reduce the impact of sudden market falls on your retirement savings. There are five portfolios...

  • br5pd0001-our-governed-retirement-income-portfolios.pdf

    ...be difficult to know how much income your retirement savings can sustain over a period of time. A financial adviser can help you to discuss your own individual investment needs. GRIPs are designed for people who want to take a sustainable income from their pension. They aim to deliver growth above inflation...

  • Autumn Statement 2012 - Royal London for advisers

    ...plans, most of which will not be invested in this way. It would have been relatively simple to implement a change to the GAD tables, which would be consistent with the idea of sustainable income, albeit using different assumptions.  Reduction of annual allowance Restriction on pension tax relief...

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    Information and guidance

  • pdf5pd0036-target-market-doc-grips.pdf

    ...risk in falling markets. Growth Yes Income Yes GRIPs are designed specifically for a person looking to take a sustainable level of income. Hedging No Negative target market – Product shouldn’t be sold to investors who are seeking to hedge income or capital. Time horizon Long term (> 5 years...

  • 5b5241-socially-responsible-investing.pdf

    London Asset Management 1.00% 0.00% 1.00% RLP Sustainable Leaders Royal London Asset Management 1.00% 0.00% 1.00% RLP Sustainable Managed Growth Trust Royal London Asset Management 1.00% 0.00% 1.00% RLP Sustainable Managed Income Trust Royal London Asset Management 1.00% 0.00% 1.00% RLP Sustainable...

  • Drawdown governance service - Royal London for advisers

    Sales or visit our website. Governed Retirement Income Portfolios (GRIPs) We also offer five GRIPs, designed with the aim of helping clients achieve a sustainable income in retirement.  With a diversified mix of assets, the GRIPs are designed to be resilient and cope with market shocks, whilst also...

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    Tools and support

  • Communication and Engagement - Royal London for advisers

    ...options available. Income planning tool If drawdown’s the right choice, use our income planning tool to recommend an investment option and help employees understand how sustainable their income is. Drawdown governance service Our drawdown governance service can help you monitor the income employees...

  • Flexible retirement options - Royal London for advisers

    ...will need in retirement and present the different options available. Income planning tool If drawdown’s the right choice, use our income planning tool to recommend an investment option and help employees understand how sustainable their income is. Drawdown governance service Our drawdown governance...

  • New and improved annual statement for your Income Release clients - Royal London for advisers

    ...of their plan – and their outlook for the future.[1] Our Drawdown Governance Service can give you the tools to plan, track and manage a sustainable level of income for your clients. Find out more If you have any questions about the new statements, please speak to your usual Royal London contact. [1] Our...

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    News

    Blog

  • Governed Range reaches £30bn AUM milestone - Royal London for advisers

    Portfolios (GRIPs).  Our GRIPs have over £3bn* in AUM and consist of five investment portfolios. Each portfolio has been designed with the aim of helping clients achieve a sustainable level of income in retirement. They are made up of a diversified mix of assets, making them resilient and able to cope...

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    Blog

  • G5PD0001_2.indd

    ...risks. So planning and controlling the risks to your client’s income is critical to delivering the best outcomes. We understand that planning a sustainable income and choosing a suitable investment for your clients can be both time-consuming and costly for your business. This guide tells you how our...

  • New and improved updates for your clients - Royal London for advisers

    ...the performance of their plan – and their outlook for the future. As retirement approaches, our Drawdown Governance Service can give you the tools to plan, track and manage a sustainable level of income for those clients looking to access their savings flexibly. Download a sample You can see a sample of our...

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    News

  • Income drawdown – changing the conversation - Royal London for advisers

    ...have a range of multi asset portfolios called the Governed Retirement Income Portfolios – or ‘GRIPs’ for short – which are designed to help your clients achieve a sustainable level of retirement income and help reduce the impact of sudden market falls. Each quarter we monitor the income sustainability...

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    News

    Blog

  • 5g2-select-fund-range-guide.pdf

    Short Duration Global High Yield Nil Active RLP Sterling Extra Yield Bond Nil Active RLP Sustainable Managed Income Trust Nil Active RLP UK Government Bond Nil Active RLP BlackRock Long Gilt Index Nil Tracker RLP BlackRock Over 5 years Index linked Gilt Index Nil Tracker RLP BlackRock UK All Stocks...

  • pdf5pd0035-client-market-update-may-2019.pdf

    ...framework and term to retirement. The Governed Retirement Income Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles...

  • w5w0098-client-market-update-april-2019.pdf

    ...and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles. The portfolios hold a wide range of investments, including company shares, property, bonds, commodities and cash in order to help them meet their objectives. Governance We...

  • 5pd0031-client-market-update-april-2019.pdf

    ...and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles. The portfolios hold a wide range of investments, including company shares, property, bonds, commodities and cash in order to help them meet their objectives. Governance We...

  • pdfpd0040-client-market-update-june-2019-consumer.pdf

    ...risk framework and term to retirement. The Governed Retirement Income Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk...

  • client-market-update---march-2019.pdf

    (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles. The portfolios hold a wide range of investments, including company shares...

  • pdf5pd0035-client-market-update-july-2019.pdf

    Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles. The portfolios hold a wide range of investments, including company...

  • pdf5pd0043-client-market-update-july-2019-consumer.pdf

    Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles. The portfolios hold a wide range of investments, including company...

  • pdf5pd0032-client-market-update-feb-2019-consumer.pdf

    ...returns above inflation within a defined risk framework and term to retirement. The Governed Retirement Income Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income...

  • pdf5on0004-client-market-update-may-2019-consumer.pdf

    ...framework and term to retirement. The Governed Retirement Income Portfolios (GRIPs) are designed for customers who are taking money out of their pension on a regular basis and aim to maximise returns above inflation to support sustainable, regular income withdrawals for a range of risk profiles...

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.