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You searched for the term default investment Your search returned the following 40 results...
 
  • Royal London default investment - Royal London for advisers

    Our default investment The Royal London default investment is the Balanced Lifestyle Strategy (Drawdown) Our default investment options offer your clients: Solutions designed by our investment experts A selection of lifestyle options Flexibility over default choice Governance you can count...

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    Investment options

  • What does value for money in a DC default look like? - Royal London for advisers

    ...starting out on their savings journey. Ensuring customers have a meaningful fund at retirement depends on lots of factors such as costs, engagement and contribution levels, investment returns and the governance and controls around default design. The issue for IGCs is how they determine whether...

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    News

    Blog

  • Changing our default investment to drawdown - Royal London for advisers

    Changing our default investment to drawdown 24 January 2018 Share Share We are changing our investment default for workplace pension customers to Balanced Lifestyle Strategy (Drawdown) from February. We are changing our investment default for workplace pension customers to Balanced Lifestyle...

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    Investment overview

    News

  • What’s next for workplace pensions? - Royal London for advisers

    ...for our workplace pension customers throughout stormy market... Changing our default investment to drawdown - Royal London for advisers Changing our default investment to drawdown 24 January 2018 Share Share We are changing our investment default for workplace pension customers to... Workplace pensions...

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    News

  • Download our pensions literature - Royal London for advisers

    ...form (14P47) Block transfer form (65A32RS) Change of default investment form (14A0608) Company pensions policy application form (14P18) Customer identity verification form (ML2) Declaration of health (14DOH) GPP & SHR Employer application form (14P28) GPP & SHR matched and tiered contributions form...

  • Trustee mailings questions & answers - Royal London for advisers

    ...describing how governance standards apply. In particular this statement needs to include: The level (or range) of charges and transaction costs in the default investment arrangement(s) and the range of costs and charges in other funds and the trustees’ assessment of the extent to which the charges...

  • Reminding trustees of their new responsibilities - Royal London for advisers

    ...for money to the members and we are not proposing to make changes to these schemes. However, any schemes used for auto enrolment will have the member charges capped at 0.75% a year for the default investment and commission  charges, FAF charges and consultancy charges, if applicable, will be/will have been...

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    News

  • Our investment options - Royal London for advisers

    ...your pension. Target Lifestyle Strategies Three sets of strategies offering different customer retirement choices. Fund information Factsheets and performance for our range of investment options. Investing for your retirement guide Find out more about our investment options. RL Investment default Royal London Balanced Lifestyle Strategy (Drawdown).

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    Investment options

  • Pension news from 2018 - Royal London for advisers

    ...when things go wrong. Changing our default investment to drawdown May 27 2020 We are changing our investment default for workplace pension customers to Balanced Lifestyle Strategy (Drawdown) from February. Steve Webb: is it time for the care pension? Aug 5 2020 Steve Webb offers a potential solution...

  • Target Lifestyle Strategies - Royal London for advisers

    ...for the Target strategies. Based on a balanced investor and benchmark allocations. View a larger version of this image. 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...

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    Investment options

  • Stakeholder pensions - technical summary - Royal London for advisers

    ...or debit card to all stakeholder pension schemes. Bankers' Automated Clearing System (BACS) can be used. Is it possible for contributions to start or stop without there being any penalties? Yes. There is no minimum frequency of contributions. What are the rules on investments? A default investment option...

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    Information and guidance

  • Submit applications easily - Royal London for advisers

    ...to us.   Workplace pension forms Form  Signed, scanned application Electronic signature  Unsigned app via our online form, along with client email Adviser charge instruction form (14P47) - editable PDF   Block transfer form (65A32RS)   Change of default investment form (14A0608)   Change...

  • FCA policy statement signals big changes in the pension transfer advice market - Royal London for advisers

    ...as a destination for transferred funds In CP19/25, the regulator proposed strengthening its requirement for advisers advising on pension transfer business to consider the default investment within the workplace pension where one exists. The new rule in PS20/6 builds on the existing requirement which...

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    News

    Blog

  • With freedom comes responsibility - Royal London for advisers

    ...members can access easily, preferably with an adviser. Are schemes being transparent enough about their investment objectives? Not at all. It is surprising that more emphasis has not been put on compelling schemes to set out the thinking behind the design of the default and how it is managed – alongside...

  • Tactical allocation & default funds - Royal London for advisers

    Tactical allocation & default funds Trevor Greetham 25 July 2019 Share Share Trevor Greetham, Head of Multi-Asset at Royal London Asset Management, gives his thoughts on how a tactical approach to default funds can deliver over the long run in this investment-focussed Q&A. What’s the ideal growth...

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    News

    Blog

  • A closer look at consultation paper CP19/25 - Royal London for advisers

    ...the protections afforded by Investment Governance Committees (IGC) or trustees. A WPS will also be an attractive option for many consumers who wish to consolidate their pension savings in one place”. WPS have a charge cap of 0.75% in the default investment, so this would continue to apply to DB funds transferred...

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    News

    Blog

  • Destination workplace - Royal London for advisers

    ...to be sufficient to rule out the WPS. There will however be some clients that feel very strongly about these factors, and for them the WPS may not be the best solution. The investment path of the WPS default strategy also needs consideration. This may be particularly relevant for high value cases where...

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    Workplace pensions

    Blog

  • Governed Portfolios - Royal London for advisers

    Governed Portfolios (GPs) An investment solution for customers looking to save into a pension. All about GPs How to access our GPs AKG Governed Portfolio - May 2019 Our Governed Portfolios are a range of off-the-shelf investment solutions built for customers looking to save into a pension...

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    Investment options

  • Our investment process - Royal London for advisers

    ...clients can invest in one of our specially developed risk-graded portfolios or lifestyle strategies from our Governed range, or you can create and manage their investment strategy by selecting from our Fund range. If a Governed Portfolio is chosen the funds within it default to funds managed by Royal...

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    Investment overview

  • Fund performance - Royal London for advisers

    Strategies (Annuity) performance Target Lifestyle Strategies (Cash) performance Target Lifestyle Strategies (Drawdown) performance Workplace default performance Tactical allocations...

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    Fund information

  • Our summary and thoughts on the FCA’s recent feedback statement 19/5: Effective competition in non-workplace pensions - Royal London for advisers

    ...one or more investment solutions, reducing charge complexity and increasing transparency, so that consumers better understand the impact of charges on their savings. They’re looking for feedback on measures to introduce default funds to protect consumers who do not or cannot engage...

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    Opinion

    Workplace pensions

  • 2018 Autumn Budget Summary - Royal London for advisers

    £1,030,000 to £1,055,000 for 2019/20. Pension fund investment in patient capital 4.43 of HM Treasury - Budget 2018 The FCA will publish a discussion paper by the end of 2018 to explore how effectively the UK’s existing fund regime enables investment in patient capital. This will accompany the ongoing...

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    Information and guidance

  • DB pension transfer advice consultation - Royal London for advisers

    ...in a workplace pension is most likely to end up invested in the default fund.  Whilst the default fund may be right for the bulk of ordinary members, it is much less likely to be right for someone who has transferred in a large DB pot. About the author Robin Nimmo Proposition Strategy & Insight Manager Robin...

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    Defined Benefit

    News

    Blog

  • Our Brexit preparations - Royal London for advisers

    ...work hard and provide the best returns possible in the short term, while maintaining our focus on our long term investment strategy. We’re keeping a watchful eye on the political developments as well as working with trade and regulatory bodies.  We’ll let you know of any changes that may impact...

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    News

    Blog

  • Governed Portfolios turn ten - Royal London for advisers

    ...corporate clients can benefit from this through our workplace pension default option. It invests in three of our risk-targeted Governed Portfolios, built for saving for retirement. Ten good reasons to celebrate A decade of delivering  Download this video (right-click and save) New adviser guide Download...

  • RLP Property fund update - Royal London for advisers

    ...or Target Lifestyles (including the Royal London workplace default solution.) If any of your client's transactions are affected by these restrictions then we will contact both you and your client to confirm this. Please find below a list of questions and answers on the restrictions to our Property Fund...

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    Fund information

  • Pension news from 2019 - Royal London for advisers

    , gives his thoughts on how a tactical approach to default funds can deliver over the long run in this investment-focussed Q&A. FCA announces further action on defined benefit transfers Jul 26 2020 What is sustainable investing? Jun 25 2019 Sustainable investing is based on a simple premise - owners...

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    News

    Blog

  • Money purchase annual allowance - Royal London for advisers

    ...of £40,000 however he has £4,500 unused relief available to carry forward from the previous year. DC contributions must still be within the MPAA. If DC contributions exceed the MPAA a tax charge will be due. The default chargeable amount is the excess over the AA. However there is also a second test...

  • FCA produces new rules for Pension Transfers - Royal London for advisers

    (PTS), but the fall-out from British Steel has prompted a u-turn. Whether the PTS begins from a neutral position or an assumption of unsuitability, the default is to stay in the DB scheme unless the PTS can demonstrate transferring is likely to be in the client’s best interests. So retaining...

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    News

  • The value of independent investment governance - Royal London for advisers

    The value of independent investment governance Research suggests that better governance leads to better outcomes – between 1% and 2% per annum additional returns, compared to weak governance*. Julius Pursaill, independent chairperson of the Investment Advisory Committee (IAC), talks about what good...

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    Investment governance

  • Our awards - Royal London for advisers

    Ultimate Default Fund - Target Lifestyle Strategies Defaqto Star Ratings 5 star rating for Auto Enrolment 5 star rating for Drawdown Protection Review Personal and Business Menu Plans - Gold...

  • Now is the time to review your drawdown advice process - Royal London for advisers

    ...and this remains one of its key priorities in its business plan for 2020-21. However, it has perhaps taken the end of the longest bull run in history to underscore the very real and risky nature of this product. In recent years, drawdown has increasingly become the default retirement recommendation...

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    News

    Blog

  • Product details of our Business Protection Waiver of Premium (Sickness) - Royal London for advisers

    ...on our Relevant Life Plan. Your clients only have to take out waiver once for it to be attached to all the applicable covers they have with us. The waiver cover term will automatically default to the longest cover term out of all their covers. We won't pay a claim if: It's the result of intentional...

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    Business

    Waiver of Premium

  • Details of our Waiver of Premium (Sickness) - Royal London for advisers

    ) is not available on our Relevant Life Plan. Your clients only have to take out waiver once for it to be attached to all the applicable covers they have with us. The waiver cover term will automatically default to the longest cover term out of all their covers. We won't pay a claim if: It's the result...

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    Personal

    Waiver of Premium

  • Coronavirus podcast - April 2020 - Royal London for advisers

    Coronavirus podcast - April 2020 16 April 2020 Find out how the Coronavirus is impacting pension investments Katie Eagles and Lorna Blyth from our investment solutions team discuss how the coronavirus could affect our customers’ pension investments. Podcast transcript [ Intro ] Royal London [ Katie...

  • The Investment Clock - Royal London for advisers

    The Investment Clock The Investment Clock is a tactical asset allocation model that Trevor Greetham, Head of Multi Asset at Royal London Asset Management (RLAM) uses to guide our tactical strategy for our Governed Range. Latest Investment Clock update - July Investment Clock July video transcript...

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    Investment overview

  • The death of retirement – a boost for protection? - Royal London for advisers

    ...of later life enjoyed by their parents will be unattainable unless they work well beyond traditional retirement ages. This news could have a positive impact on protection sales. The effect of a longer working life The government phased out the default retirement age of 65 allowing employees to choose...

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    Blog

  • Pension investments - Royal London for advisers

    Investment Take a closer look at our Governed Portfolios (GPs) and Governed Retirement Income Portfolios (GRIPs) to get all the information you need to discuss your client's retirement planning needs. GPs and GRIPs A range of mixed asset portfolios to help customers on their retirement journey...

  • British Steel Pension Scheme independent review - Royal London for advisers

    ...members, drawing on experience from SFGB. Trustee guidance should illustrate ‘what good looks like’ rather than outlining the minimum required to comply with regulations. Digital communications should be more readily used, rather than automatically using hard copy documentation as a default. For members...

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    News

    Blog

  • RLAM's Responsible Investment team - Royal London for advisers

    . My name is Ashley Hamilton Claxton, I'm Head of Responsible Investment here at Royal London Asset Management and what I do is I help our investment managers invest members money in a socially and environmentally responsible way. Ultimately companies of key employers and for us from our perspective...

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    Investment overview

    Investment governance

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.