Investments

Retirement Account

Strong investment options & robust governance

Our comprehensive investment solutions have stand-out features to help your clients achieve their retirement goals, from ‘light-touch’ approaches, to more complex portfolios.

  • Across planning and income, our three competitively priced multi-asset ranges can be suitable for a wide range of clients. They can help you provide a fully advised model at low cost.

    • At just 0.1%*, our Pension Portfolio Funds are multi-asset solutions at passive fund prices.
    • Our Premier Pension Portfolios at 0.4%* offer more diversification and specialist fund management.
    • Our Retirement Portfolio Funds are specifically designed for drawdown at 0.2%.*
    • Long-term strategic asset allocation is the basis of our multi-asset funds’ performance, reviewed by our experienced asset allocation team.

    * Current Total Annual Fund Charge within Retirement Account. This may change in the future.

  • Our drawdown options include some key potential benefits to manage volatility and cover a broad range of prices and risk options.

    • For just 0.2%*, our Retirement Portfolio Funds (RPFs) are designed to help manage significant volatility to help pension pots last longer with our innovative Dynamic Volatility Management process.
    • Our Pension Portfolios and Premier Pension Portfolios also have strong potential for sustaining retirement income.**
    • Our Solution Funds have delivered risk-rated multi-manager performance since 2005, offering widely diversified investments for more selective drawdown clients.

    * Current Total Annual Fund Charge within Retirement Account. This may change in the future.

    ** Based on analysis conducted by Moody’s Analytics.

  • Our multi-asset and lifestyling options provide ‘light-touch’ investment solutions, covering a broad range of risk appetites, at low cost.

    • Our original Pension Portfolio Funds at 0.1%* have outperformed comparative ABI sectors since their launch in 2006.**
    • Premier Pension Portfolios at 0.4%* offer more diversified asset classes and specialist fund management to increase the potential for good returns, including smart beta and absolute return strategies.
    • Both of these portfolio fund ranges are core components of our Governed Investment Strategies lifestyling options.
    • Our Scottish Widows Solution funds offer multi-manager, risk-rated options for 0.6 to 0.9%* for investors wanting an actively managed approach.

    * Current Total Annual Fund Charge within Retirement Account. This may change in the future.

    ** As at 30th June 2018. Source: Scottish Widows, Financial Express, on a bid-to-bid basis, total return, tax default, in £s.

  • For clients requiring more sophisticated investments, we offer a whole of market choice and specialist services.

    • The Scottish Widows Pension Fund range has 150+ funds managed by 20+ leading fund management firms.
    • Our Fund Supermarket gives access to 2,900+ funds from over 100 different managers, with no minimum investment required.
    • Our online Portfolio Management Service helps you to create and manage your own ‘Adviser Portfolios’ from Scottish Widows Pension Funds and Fund Supermarket funds.
    • For more specialised needs, our services include Share Dealing and Discretionary Fund Management
  • Our rigorous approach to governance includes oversight by an external, independent governance committee of investment experts.  

    • Our well-established internal governance framework is headed up by our Insurance Investment Strategy Committee and Unit-Linked Investment Management Committee.
    • Our Fund Manager Assessment team carry out due diligence on all our funds focusing on customers’ needs, our proposition and our governance framework. Read about their rigorous approach (PDF)
    • We use input from independent modelling experts such as Moody’s Analytics to help shape and review our multi-asset ranges.
    • Past performance is not a reliable indicator of future results. Your client’s Retirement Account can invest in a range of investments which carry different levels of risk.
    • Their value can go down as well as up, and may fall below the amount(s) paid in.

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