We combine our duty of care for members with choice and flexibility for advisers and employers
Three distinct offers
We’ve segmented our corporate pensions investments into three distinct offers, designed to meet very different and specific needs.
By having a segmented investment offer we ensure that:
- * Members can make personal choices with ease and confidence
- * Scheme advisers have the choice and flexibility they need to create customised or bespoke solutions for specific employers.
Find out more about:
Core offer
Ideal for members who aren’t receiving individual advice or don’t want to be ‘hands on’.
There’s a choice of three Pension Investment Approaches reflecting different attitudes to risk and reward. Using our investment decision tool will help you find the best match:
When investing each member’s pension we take into account both their:
- * Chosen approach, and
- * Length of time to retirement.
As a result, the investment choices made when joining the scheme should remain valid
right through to retirement. To make sure this happens, we use a sophisticated asset allocation model developed in
partnership with Barrie and Hibbert, a UK financial risk consultancy.
The model automatically ensures for every member, that:
The model automatically ensures for every member, that:
- * Appropriate investments for the chosen approach are used in the right proportions, at the right times and are continually rebalanced on a regular basis
- * Investment risk gradually reduces in the last 15 years before the selected pension date - investments are moved automatically into progressively less volatile funds in the approach to retirement.
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Customised offer
Scheme advisers can use our core asset allocation model with their own choice of underlying funds.
Some schemes may opt to use our core asset allocation model with different underlying pension funds, using approved alternatives from our range.
Members will be offered Adventurous, Balanced or Cautious Pension Investment Approaches, and will be able to use our online investment decision tool to help them choose.
Some schemes may opt to use our core asset allocation model with different underlying pension funds, using approved alternatives from our range.
Members will be offered Adventurous, Balanced or Cautious Pension Investment Approaches, and will be able to use our online investment decision tool to help them choose.
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Bespoke offer
For more sophisticated investment needs. Currently choose from 100+ funds.
Schemes with sophisticated requirements can create bespoke portfolios. We currently offer over 100 funds, the majority of which are risk-rated, and include:
Schemes with sophisticated requirements can create bespoke portfolios. We currently offer over 100 funds, the majority of which are risk-rated, and include:
- * Pension portfolio funds
- * Scottish Widows in-house funds
- * Institutional and retail style funds with external managers
- * Russell Group multi-manager portfolio funds and equity funds
Coupled with optional lifestyle switching and optional rebalancing,
Scottish Widows bespoke solutions can meet the majority of specialist investment needs.
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Investment Managers
Scottish Widows' internally managed pensions funds are managed by Scottish Widows Investment Partnership (SWIP).
Currently they manage £97.6 billion worth of funds (source: SWIP 31.12.07). SWIP compile their investment knowledge through
a combination of methods including:
- * Expert global research of individual stocks across all the world wide markets.
- * Their sophisticated knowledge portal, providing stock pickers and sector managers with invaluable real time global information.
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Scottish Widows may alter its investment range
and adjust the terms and conditions that apply to its Pension Investment
Approaches and pension funds.
