Our investment options

In our experience, most members of workplace pensions invest in the default option. So it’s important to put a high quality default option in place.

We offer a wide range of ‘ready-made’ options for you and your adviser to choose from. We call them our Governed Range.

Governed portfolios
to suit risk appetites

Lifestyles strategies
to suit specific targets

GRIPs for a
regular income

Discover our Governed Range

All of our ready-made investment options are looked after by our Independent Advisory Committee.  This means they benefit from regular reviews, hands-on supervision and ongoing fine-tuning to make sure they stick to their objectives.  All at no extra cost.

Governed Portfolios

  • Take account of employees’ attitude to risk and length of time until to retirement.
  • Boast a nine-year track record for good performance, governance and risk management.

Lifestyle Strategies

  • Ideal if employees have a specific retirement goal, like taking cash or a regular income.
  • Automatically switch employees’ savings from high to low risk investments as they approach retirement. 

Governed Retirement Income Portfolios (GRIPs)

  • Specifically designed for employees who want to take a regular income from their plan.
  • Take account of the level of risk needed to help employees achieve their desired level of income.
  • Available exclusively through our income drawdown product. 

Funds

We also have a carefully selected range of funds to choose from. Employees can choose from over 160 funds managed by our award winning investment team Royal London Asset Management, and some of the world’s leading investment houses. 

Remember, investment returns are never guaranteed. This means the value of an investment can go down as well as up and the investor might not get back the value of the original investment.

Find out more

To find out more about our full range of investment options, visit the investment area of our website or download our employer guide.

Default investment

Find out more about our default investment for workplace pensions.

READ MORE

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.