Investment options

Our innovative range of investment options has been designed specifically with pensions in mind.
Your default investment option

Understandably, many employees are unwilling or unable to make complex investment decisions.

That's why it is important that you select a good 'default' investment option.

Your financial adviser will work with you to select an investment option that is suitable for your workforce as a whole.

What we offer

Our investment approach provides a reassurance for all concerned. We offer a number of solutions, depending on your employees' needs.

For you this means you'll be able to select a sensible 'default' option for those employees who don't want to make investment decisions. For your employees it means a carefully selected range of options to choose from if the default isn't for them.

You'll find a summary of the options below. There's more detailed information in our 'Investing for your retirement guide'. Investment returns may fluctuate and are not guaranteed, you could get back less than the amount paid in.

Governed Portfolios

Our Governed Portfolios allow employees to invest in a spread of equities, bonds and property while taking into account the length of time they have to save as well as the amount of risk they are prepared to take.

Our Governed Portfolios also benefit from our governance process which simply means that we review them regularly. This allows us to make sure that they continue to meet their objectives and we can keep an eye on how their performing - ultimately aiming to give them the best positive returns.

What's more, this service comes at no extra charge.

Take a look at our Governed Portfolios factsheets

Lifestyle strategies

The closer you get to taking your retirement benefits the more likely it is that you'll want to reduce the risk to your savings. Our range of lifestyle strategies is designed to help with this.

Our Target Lifestyle Strategies have been specially created to provide a consistent approach that is regularly monitored and automatically updated. There are three sets of Target Strategies to choose from, each with five risk-graded versions featuring both passive and active equity management styles to choose from.

If your employees like the idea of lifestyle strategies but want more choice then they might prefer to invest in a flexible lifestyle strategy. This allows them to build their own strategy using our framework.

Take a look at our Lifestyle Strategies factsheets

Funds

We also have a carefully selected range of over 160 funds to choose from. Our in-house funds are managed by our asset management division - Royal London Asset Management.

These funds offer opportunities to invest in the UK and overseas and aim to provide consistent long-term growth.

Your employees will also have access to the investment expertise of some of the world's leading investment companies through our range of externally managed funds. Some of these funds carry an additional charge.

Take a look at our fund factsheets

Last updated: 08 Oct 2018

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London EC3V 0RL.