Governed Investment Strategies are portfolios of funds that are regularly rebalanced and gradually move the plan into lower risk investments as the client approaches their selected retirement date (using Lifestyle Switching).
We offer three Governed Investment Strategies, each with a different combination of risk and reward:
- Adventurous
- Balanced
- Cautious
They are designed to make it easier for your client to invest in a mix of funds that suits their attitude to risk and the length of time until their selected retirement date without the need to choose individual funds.
Governed Investment Strategies use the same portfolio of funds as the popular Pension Investment Approaches available for many years to our group pensions policyholders. So you can rely on our knowledge and expertise in these investments.
See the Governed Investment Strategy Adviser guide for more details.
Adviser guide
Governed Investment Strategy Tool
To help you identify which of our Governed Investment Strategies may suit your client best, you can use the Governed Investment Strategy - Decision Maker. Or, you can use our online Governed Investment Strategy Tool, which will generate a more comprehensive report for your client, by answering the same questions.
Start tool
The benefits of Governed Investment Strategies
1. The assurance of demonstrably good options for your clients who want:
- a low-cost portfolio of funds
- investments that will remain suitable for them throughout the lifetime of their plan.
2. The reassurance of investment governance:
- saves you time and money
- ensures that the strategies maintain an appropriate asset mix
3. Lifestyle Switching ensures that the level of investment risk is automatically reduced as your client approaches retirement
The reassurance of ongoing investment fund reviews
We regularly review the Governed Investment Strategies and may change the funds that they invest in from time to time, in light of market, fund or regulatory changes. These governance reviews aim to ensure that:
- Our Governed Investment Strategies continue to meet your client's needs.
- Our approach to lifestyle switching is appropriate to the time to your client's retirement date.
- Asset allocation strategies remain fit for purpose and continue to meet your client's needs.
We will communicate the outcome of any reviews to you and your clients.
