Selecting the right balance of investments to hold in your plan needs careful consideration.
You can select individual funds from our fund range to create and manage your own investments or choose from our ready-made investment options: our specially developed risk-graded Governed Portfolios and Lifestyle Strategies.
Investment returns may fluctuate and are not guaranteed. This means that the value of your investment can go down as well as up so you could get back less than what you put in..
Our fund range comprises over 160 professionally managed investment funds covering all the main types of asset - company shares (equities), cash, property, and corporate bonds and gilts (loans to companies and the Government).
These carefully selected funds are run by the Royal London Asset Management team and a number of other leading investment houses, including some of the world's best known investment companies.
With help from your financial adviser, you can choose the funds that suit your needs, select up to 35 of them at any time and switch between funds whenever you like, without charge.
Choosing suitable assets to meet your investment objectives is vital - but it's not always easy to achieve without specialist investment knowledge. To help you select the right balance of investments without having to pick individual funds, we've developed our nine Governed Portfolios.
These portfolios allow you to invest in a spread of equities, bonds and property while taking into account the length of time you have to save as well as the amount of risk you are prepared to take.
Each portfolio benefits from our governance service which simply means that we review them regularly. This allows us to make sure that they continue to meet their objectives.
What's more this service comes at no extra charge.
Governed Retirement Income Portfolios
If you'd like to enjoy a flexible income in retirement, the savings you keep with us will remain invested in your plan. Our Governed Range has some really clever investment solutions up its sleeve. And they're designed for customers looking to enjoy flexible access to their savings. We call them our Governed Retirement Income Portfolios - or 'GRIPs' for short.
GRIPS are a range of five investment portfolios, designed to match your attitude to risk with your desired level of income.
All of our GRIPs form part of our Governed Range, so they benefit from regular reviews, hands-on supervision and ongoing fine-tuning to make sure they meet their objectives. At no extra cost.
The closer you get to taking your retirement benefits the more likely it is that you'll want to reduce the risk to your savings. Our range of Lifestyle Strategies is designed to help with this.
These strategies are built using our Governed Portfolios and are designed to suit different attitudes to risk.
In the early years of your plan, they'll aim to provide maximum investment growth by investing in a higher risk portfolio. In the later years they aim to reduce your exposure to risk by investing in lower risk portfolios. This happens automatically and you don't have to do anything.
Your adviser can also create a lifestyle strategy specifically for you if needed.
Find out more
Your adviser will be able to tell you more about our Lifestyle Strategies and Governed Portfolios, and help you choose the right option.
Visit our investment section to find out more about the options we offer.