Your investment strategy for the Homeprotect GPP has been designed to optimise your pension fund growth up-to retirement. Please also view our downloadable PDF, “How Important is Asset Allocation when Investing?” below.
1) Your time horizon – how long have you got until your target retirement age?
2) Investment efficiency – keeping your costs to a minimum, using one of the World’s leading index-tracking fund managers, Blackrock and their “Aquila” fund for the global equity part of your portfolio. If you have £250,000 or more in your pension fund, you could use our wealth management option, which selects, monitors, updates and re-balances a selection of risk-rated holdings could well be suitable as part of your strategy. If not, it is far better to minimise costs and use automated strategies, such as those in your Royal London GPP range.
3) Re-balancing and asset allocation updating – using the risk-rated Lifestyle Strategies with the Royal London Governed Portfolio range of investments. This ensures that you invest:
a. at a risk level that suits you
b. asset allocations are reviewed and amended on a quarterly basis by the independent Investment Policy Committee of Royal London. 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.
c. the investment portfolio chosen is automatically re-balanced annually, maintaining the ideal investment mix (effectively selling high and buying low) and also the ideal constituents of your portfolio are amended over time between 15 years and target retirement date to match the optimum asset allocation.
Investment Performance Charts
