Investing for your future

Whether you are investing to fund your income for retirement, to cover education costs, or to help the next generation financially, we can help you grow what you have already built. Key to this is understanding your ambitions, your attitude to risk, and your time horizon. Based on these factors, we will advise you on the best investment strategy to meet your future needs, while balancing risk and return.

We will invest your money in our range of global multi asset funds, run by our in-house investment experts. Being multi asset means the majority of our funds focus on a blend of asset types (such as shares, bonds and alternative assets) in order to perform in a range of financial market conditions.

We are active investors and we take a top-down approach to investing. That means we look at the whole picture first - what’s going on in the global economy and the geopolitical arena, and how this will likely influence various asset types. So for example, we’ll look at factors such as economic growth, central bank policy and government policy. When we invest, our aim is to blend the optimal mix of different investments within each of our funds according to our view on where financial markets are today, and crucially, where we think they will be in the future.

You can learn more about multi asset investing on the following link:

Our aim is simple: to deliver long-term financial returns for our customers, in exchange for taking on an appropriate level of risk. We aim to achieve this through our range of actively managed funds, which are designed to meet different goals and preferences.

Ten out of our eleven funds take a ‘multi asset’ approach, which means that they invest in a blend of financial asset types, from shares and government bonds to ‘alternative’ assets.

Our lower risk multi asset funds include a greater proportion of lower risk assets like bonds. Our higher risk multi asset funds include a greater proportion of higher risk assets like shares. Our eleventh and highest risk fund – the Adventurous fund – is designed for our most pro-risk investors, and focuses exclusively on stock markets (shares).

For some, investing for your future means thinking about more than financial goals and outcomes. Investing in our responsible funds means pursuing investments in companies, sectors and countries which demonstrate a positive influence on environmental or social themes. At the same time, our responsible funds seek to avoid investing in activities that we consider harmful to the environment or society.

Our responsible funds are actively managed, and follow the same investment process as our core funds, but their investments are also assessed against our Responsible Investment Policy.

You can find out much more about our approach to responsible investing, and the types of investments you can find in our responsible funds, by taking a look at our Responsible Investment Policy.

From supporting your retirement to meeting ongoing financial commitments, there are many reasons why you may require a regular income from your investment portfolio.

We offer the choice of a cautious (Income) or balanced (Income Plus) approach, as well as the option to withdraw or reinvest the income received. The funds pay out on a monthly basis, with quarterly ‘top ups’ made to pay out any excess returns.

It is important to note that financial returns are not assured: there is no guarantee that the funds’ performance objectives will be met, or that a positive return will be delivered over any time period. When you invest, your capital is at risk.