Risk Profiler
This tool is intended to place you in a category, from safe to very adventurous, based on the interest you take in exploring your investment options.
This is an educational tool and should not be considered as advice. For more information on our investment offerings please contact your financial adviser. The description above is only a general indication of your risk profile and you should not make an investment decision based on this information. We recommend that you contact a Financial Adviser for more information and complete a detailed assessment of your investment profile before making any investment decisions.
My Investments
Risk ProfilerYour Investment Approach
Loading...
Your Investment Approach
Something has gone wrong
Please try again later. Sorry for any inconvenience.
Your Investment Approach - Be my Guide
You are following one of the pre-determined investment strategies.
Your Investment Approach - I'll Decide
You are currently invested directly in a number of funds that have been made available to you. This approach allows you to make active decisions about where you want your money invested.
You are invested in the Easy Steps Lifestyle Strategy
The STEPS retirement strategy. If you use the STEPS retirement strategy, your Retirement Account will aim for growth in line with your appetite for risk when you are younger and aim to reduce risk and match your retirement objectives as you approach retirement age.
A simple 2 step process:
- Step 1: Select a Starting Point from a range of 3 risk profiled funds
- Step 2: Select an End Point from an range of 3 Likely outcomes
You are currently invested in a Lifestyle Strategy
A lifestyle strategy will invest your pension fund in riskier assets with good potential for growth when you are a long time from retirement. As you approach retirement, the lifestyle strategy will invest a greater proportion of your money in safer assets such as bonds and cash funds to help protect your pension fund as you near retirement.
You are currently invested in a self-selected fund or funds
|
You have chosen to take an active decision about where your money is invested. You have many options available as to how you invest your money whilst you're in a company pension plan, from high risk funds with good potential for growth to lower risk funds offering more stable (but potentially lower) returns. This 'hands-on' approach to pension investment requires you to reassess your fund choice over time. |
|
|
It is important that you regularly review the funds that you are invested in to ensure that they are appropriate to your circumstances. |
|
Loading...
Something has gone wrong
Please try again later. Sorry for any inconvenience.
Are you happy with where your money is invested?
Your investment choice is
rated as The
combination of funds that your savings are invested in means
your overall investment choice is rated as
How suitable is my investment choice based on my years to retirement?
The funds you are invested in may not be suitable based on the number of years you have left to retirement. Typically if you have 40 to 11 years to retirement the goal is to maximise growth. This can be achieved by investing in high to medium risk funds. However as you approach retirement you should consider protecting the savings you have accumulated to date by investing in low risk funds. To review your investment choice, please speak to your financial adviser. With 28 year(s) to retirement the suitability of your overall investment choice is rated amber. You need to consider your investment choice.
The funds you are invested in may not be suitable based on the number of years you have left to retirement. Typically if you have 40 to 11 years to retirement the goal is to maximise growth. This can be achieved by investing in high to medium risk funds. However as you approach retirement you should consider protecting the savings you have accumulated to date by investing in low risk funds. To review your investment choice, please speak to your financial adviser. With 28 year(s) to retirement the suitability of your overall investment choice is rated green. Your funds are typically ok as an investment choice.
The funds you are invested in would be considered suitable based on the number of years you have left to retirement. Typically if you have 40 to 11 years to retirement the goal is to maximise growth. This can be achieved by investing in high to medium risk funds. However as you approach retirement you should consider protecting the savings you have accumulated to date by investing in low risk funds. To review your investment choice, please speak to your financial adviser.
- Typically ok as an investment choice
- Need to consider investment choice
- Need to review investment choice
Questions you should consider:
Is the risk
level of your investments appropriate for you?
Would you prefer to use a lifestyle strategy which
automatically manages the level of risk in your fund as you
approach retirement?
If you wish to review your
fund choice or consider using a lifestyle strategy, please
speak to your financial adviser.
Your Funds
Loading...
Your Funds
Something has gone wrong
Please try again later. Sorry for any inconvenience.
Your Funds - Total Current Value: 0 Switch Funds
|
You currently have a fund switch pending on your investments. This transaction is currently being processed. If you would like to request another fund switch whilst this transaction is pending please contact us |
Warning: Please note that values quoted are based on the latest available prices.
Warning: If you have holdings in the Secured Performance Fund or Capital Protection Fund, including as part of a strategy: These funds may have a Market Value Adjustment (MVA) which applies to transfers out in a number of circumstances including switches to other funds. The MVA will not apply where benefits are drawn down as part of a death or retirement. Where a Market Value Adjustment (MVA) applies the value received will be lower than that quoted under a fund switch and other certain transactions. For up to date information on the level of the Market Value Adjustment (MVA) and also the full list of transactions to which it applies please see this link: click here.
Warning: You have holdings in the . This fund These funds may have a Market Value Adjustment (MVA) which applies to transfers out in a number of circumstances including switches to other funds. The MVA will not apply where benefits are drawn down as part of a death or retirement. Where a Market Value Adjustment (MVA) applies the value received will be lower than that quoted under certain transactions. For up to date information on the level of the Market Value Adjustment (MVA) and also the full list of transactions to which it applies please see this link: click here.
Warning: As of 19th March 2020 We have introduced a six-month notice period for all switching and encashment requests from all Property Funds. This means any request to encash (fully or partially) or switch (fully or partially) from these Funds will be processed using the Fund prices at the end of the six month notice period from when the request was made. This does not apply to death claims or normal retirement benefit claims.
Loading... Investment Options
Something has gone wrong
Please try again later. Sorry for any inconvenience.
|
|
|
|
Certain funds have been labeled as 'Trustee Preferred Funds', i.e. funds that are favoured by the Trustees of your Scheme. |
The Personal Lifestyle Strategy (PLS) is an investment option available to you. The PLS provides a hands-off tailored pension investment solution.
PLS is designed to meet two very important needs for pension scheme members:
- It helps protect their pension fund value against market fluctuations as they get closer to their retirement date.
- It directs their pension fund value into appropriate funds that best match the benefits that a member is likely to take on retirement.
- The assets in these funds may be used for the purposes of securities lending in order to earn an additional return for the fund. While securities lending increases the level of risk within the fund it also provides an opportunity to increase the investment return.
- Fund returns are quoted before taxes and after a standard annual management charge which is displayed in the fund factsheet. Annual fund management charges are calculated and deducted based on the offer price of the fund. The unit price and value of the fund are always quoted after an allowance has been made for the fund management charge. The fund management charge will vary depending on the terms and conditions of your contract.
Warnings
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: These funds may be affected by changes in currency exchange rates.
Warning: Past Performance is not a reliable guide to future performance.
Warning: The value of your investment may go down as well as up.