-
-
Productscontains a sub menu
-
Individual Pensionscontains a sub menu
Pension Options
Find out more
-
Workplace Savingscontains a sub menu
Workplace options
Find out more
-
Protectioncontains a sub menu
Personal Protection
Business protection
Find out more
-
Annuitiescontains a sub menu
Annuity options
Find out more
-
Savingscontains a sub menu
Personal Accounts
Non-Personal Accounts
Find out more
-
Mortgagescontains a sub menu
Mortgage Options
-
Trustscontains a sub menu
Find out more
-
Individual Pensionscontains a sub menu
-
Fundscontains a sub menu
-
About our fundscontains a sub menu
Find your fund
Use fund name, code or other filters to find the fund you need.
-
Fund Governancecontains a sub menu
Find your fund
Use fund name, code or other filters to find the fund you need.
- Factsheets, price & performance
- Fund Reporting Hub
- Investment Perspectives
-
About our fundscontains a sub menu
- Literaturecontains a sub menu
-
Expertisecontains a sub menu
- FundsTalk
- Individual Retirement Centre
- Protection Centre
- Workplace Savings Centre
- TechTalk
- TechTalk Vodcast
- Investment Perspectives
-
CPDcontains a sub menu
TECHTALK MASTERCLASSES
Watch the latest CII accredited Masterclass from our Financial Planning and TechTalk team.
- Knowledge library
-
Toolscontains a sub menu
-
Pension toolscontains a sub menu
- Funds search tool
- Retirement Account comparison tool
- RA Recommendation tool
- RA Top Up Tool
- Income sustainability calculator
- Retirement Income shortfall tool
- Salary Exchange calculator
- Retirement Analysis Platform
- Salary, dividend & pension tool (xls 234kb)
- Carry Forward calculator 2020/2021 (xls 332kb)
- Available Lifetime Allowance Tool
Find your fund
Use fund name, code or other filters to find the fund you need.
-
Protectioncontains a sub menu
Help with your client conversations
See how you structure conversations about protection.
-
Mortgagescontains a sub menu
See how offset helps your clients
Let Offset make your clients' money work harder for them.
-
Pension toolscontains a sub menu
- Home
-
...
- Funds and Investment Insights
- Strategic Asset Allocation
Welcome to Scottish Widows Adviser Site
This site is designed and intended for UK authorised and regulated financial advisers and intermediaries only.
If you are not a financial adviser or intermediary, please visit our personal site
Strategic Asset Allocation
Significant changes to the Strategic Asset Allocation of our Pension Portfolio Funds and Retirement Portfolio Funds
As part of our ongoing robust governance, we regularly review and adapt our multi-asset funds as the market environment changes and as we see new opportunities for customers and scheme members emerging. It’s clear the investment outlook is shifting, exacerbated by the Covid 19 impact, and we expect lower projected returns and potentially continued volatility.
So we’re introducing a number of significant changes to our Pension Portfolio Funds and Retirement Portfolio Funds to ensure customers and members benefit from the new environment. These changes are projected to deliver improved expected investment returns for unchanged downside risk and at no additional charge.
We will be implementing the following enhancements as a result of our 2020 Strategic Asset Allocation Review:
- A new Strategic Asset Allocation approach for equities to reduce the ‘home bias’ by allocating less to UK equities. We will also be aligning the split of investments in overseas equities closer to a market-capitalisation basis, from which we will adjust our positions based on our long-term return assumptions for each region
- Diversifying the sources of return in our portfolios by investing in a wider range of asset classes, while maintaining a significant level of equity exposure. The new passively-managed asset classes are property, via Real Estate Investment Trusts (REITS), and Emerging Market Government Debt. Both of these asset classes proved to be positive contributors to future returns in our extensive modelling, and show low correlation to other assets, providing diversification benefits
- Introducing currency hedging on a portion of our overseas equities to help optimise returns in flat or more volatile markets and enable us to achieve greater diversification
- Integrating Environmental, Social and Governance (ESG) considerations into our pension portfolios by investing in the new BlackRock ACS Climate Transition World Equity Fund which supports businesses that decrease carbon emissions, increase clean technology revenue, reduce water consumption and improve waste management. Read more.
Helping you understand our funds
SEARCH FOR FUNDS
Find the right funds for your clients.
Retirement Account Multi-Asset Portfolio Funds
Look at investment options with Retirement Account.
WORKPLACE INVESTMENT PROPOSITION
Look at investment options for workplace savings.