Your investment strategy for the Fintilect GPP has been designed to optimise your pension fund growth up to retirement. Please also view below our downloadable PDF, “How important is Asset Allocation when investing?”

The key things to remember here are:

1)  Your time horizon – how long have you until you target retirement age?

2)  Investment efficiency – keeping your costs to a minimum, using one of the World’s leading fund managers, Aviva Investors their in-house range of funds for your portfolio. If you have £250,000 or more in your pension fund, you could use our private wealth management option, which selects, monitors, updates and rebalances a selection of risk-rated holdings which could well be suitable as part of your strategy.

3)  Rebalancing and asset allocation updating – we use the risk-rated, time-horizon related, data modelling from Aviva Asset Management to produce our own recommended asset allocation strategy for you. This ensures that you invest:

1. 1. at a risk level that suits you
   2. with asset allocations that are reviewed on a quarterly basis by the independent Advisory Committee at Aviva Asset Management and updated by us at each annual review. This takes account of changing investment data over time and so the preferred investment strategy for any given level of risk at the time evolves with such changes.
   3. the investment portfolio you have chosen is then re-balanced annually, provided you return the re-balance request form, maintaining the ideal investment mix (effectively selling high and buying low). In addition, the ideal constituents of your portfolio are amended over time between 15 years and target retirement age (TRA) to match the optimum asset allocation for you.