Our full range of investment options

Details of our Retirement Account investment options, from our core portfolio funds to our specialist services.

Our Investment Options

Specialist investment services

    • 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 risk.
    • Our discretionary fund managers are:
      • Brewin Dolphin Limited
      • Brooks Macdonald
      • Cazenove Capital
      • Charles Stanley
      • Tilney Investment Management
      • 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 Tilney Investment Management directly for a copy of their form.

    For more details on DFMs see our services and charges guide (PDF)

    • 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)

    • Retirement Account clients can invest in one existing business premises or other property, subject to our approval, and before they are 65, provided there’s at least 10 years until their selected retirement date.
    • The property must have a minimum value of £100,000 and will be purchased and held by Scottish Widows Limited.

    For more details see: Commercial Property Administration Guide (PDF)

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.

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