Our full range of investment options
Our full investment range offers a wide range of funds to choose from and the option of more sophisticated investment services, including model portfolios.
Our Investment Options
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- Three ranges to choose from – Pension Portfolio Funds, Retirement Portfolio Funds and Premier Portfolio Funds
- Actively Managed Asset Allocation, independently risk rated multi-asset funds
- Established track record supported by robust governance
- Flexibility to blend and switch between funds.
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- The Scottish Widows Pension Fund range of 150+ funds covers a wide range of asset classes and geographical areas, and is managed by 20+ leading fund management firms
- No initial charge, no minimum investment required, and currently no charge for switching between our Pension Funds
- Upgraded Environmental and Ethical Funds that aim to meet customer expectations of modern sustainable and ethical investing.
For more details see:
Scottish Widows Environmental Fund (PDF, 2MB)
Scottish Widows Pension Funds Investor’s Guide (PDF, 999KB)
The Retirement Account Scottish Widows Pension Fund Charges (PDF, 348KB)
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- Offers access to a range of funds from a variety of fund management groups.
- Approximately 3,400 funds from over 140 different managers.
- No initial charge, no minimum investment required, and currently no charge for switching between funds.
For more details see:Fund Supermarket Investor's Guide (PDF, 434KB)
Fund Supermarket List and Charges (PDF, 872KB)
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Our multi-asset and lifestyling options provide ‘light-touch’ investment solutions, covering a broad range of risk appetites, at low cost.
- Pension Portfolio and Premier Pension Portfolio Funds are also key components of Governed Investment Strategies (GIS) and Premier Governed Investment Strategies (PGIS) lifestyling options.
- GIS and PGIS are available to clients saving for retirement, and gradually move the account into lower risk investments as clients approach their selected retirement date.
- Lifestyling strategies are available to suit different risk appetites and different retirement outcomes.
- Premier Pension Portfolios and Premier GIS are more expensive than the equivalent Pension Portfolio versions, but aim to provide better potential growth for broadly the same level of volatility.
- Pension Portfolio and Premier Pension Portfolio Funds are also available as stand-alone options.
For more details see:Adviser Guide to Governed and Premier Governed Investment Strategies (PDF, 1MB)
Client Guide to Governed and Premier Governed Investment Strategies (PDF 900KB)
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For clients taking flexible income, we have used our expertise to design four investment pathways solutions in which they can invest the remainder of their pension pot.
Each pathway is aligned to one of the ways in which your clients might want to use their pension pot in the next five years.
Scottish Widows Pathways:
- Leave Invested
- Buy Annuity
- Long Term Income
- Take Money
For more information please see here (PDF, 499KB). -
- Our online Portfolio Management Service helps you to create and manage your own ‘Adviser Portfolios’ from Scottish Widows Pension Funds and Fund Supermarket funds.
- Can be used for any combination of the Scottish Widows and Fund Supermarket funds above, giving you the capability to create bespoke client portfolios.
For more details, please see:Advisers guide to Portofolio Management Service (PDF, 4MB)
Portfolio Management Service Application Form (PDF, 506KB)
Specialist investment services
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- Discretionary Fund Managers (DFMs) will construct an investment portfolio specific to your client’s requirements from a range of investments.
- Utilising a DFM outsources the investment management and monitoring to a specialist, allowing you more time to focus on your client’s financial planning. This can increase the chances of generating good returns, improve efficiency and reduce business risk.
- Our discretionary fund managers are:
- Brewin Dolphin Limited
- Brooks Macdonald
- Cazenove Capital
- Charles Stanley
- Evelyn Partners
- Investec Wealth & Investment
- Quilter Cheviot
- Rathbone Investment Management.
- More than one can be selected.
Find application forms for each DFM
Completed forms should be returned to the DFM directly and not to Scottish Widows. Please contact Evelyn Partners directly for a copy of their form.
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- We’ve teamed up with Stocktrade to allow your clients to buy and sell listed securities within their pension policy via a ‘Share Dealing account’.
- Your clients can invest in securities traded on an HMRC recognised stock exchange, including securities and bonds, Government, public and local authority bonds, exchange traded funds listed on the London Stock Exchange or on the official list of a competent authority in another EEA state, and investment trusts including REITs.
- You can access our Share Dealing platform, using your secure log in
For more details see: Share Dealing Guide (PDF, 204KB)
Risks
- 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.
- Where investments are held on deposit, such as a Control Account or a Fixed Term Cash Deposit, there is a possibility that the provider(s) of those deposits may fail to meet their obligations. However, we believe there is only a small risk that some or all of the value of that investment would be lost.
- Some investments, such as property, can take longer to buy and sell than others. This may delay switching between investments and when benefits or any transfer payments can be taken.