PERFORMANCE STATISTICS TARGET LIFESTYLE STRATEGIES (CASH) MARCH 2019
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1 PERFORMANCE STATISTICS TARGET LIFESTYLE STRATEGIES (CASH) MARCH 2019 The Portfolios shown below are the building blocks of our Target Cash Lifestyle Strategies. These strategies aim to deliver above inflation growth in the value of the fund at retirement, whilst taking a level of risk consistent with the chosen category. As you progress through our Target Lifestyle Strategies you will be invested in the appropriate Portfolios depending on your time to retirement. Your Lifestyle Journey Risk Category At 15 years+ At 10 years At 5 years Retirement Cautious Portfolio 1 Portfolio 2 Portfolio 3 Moderately Cautious Portfolio 4 Portfolio 5 Portfolio 3 Balanced Portfolio 4 Portfolio 5 Portfolio 6 Moderately Adventurous Portfolio 7 Portfolio 5 Portfolio 6 Adventurous Portfolio 7 Portfolio 8 Portfolio 9 The mix of assets held within each portfolio is reviewed regularly by our Investment Advisory Committee (IAC) as part of our governance process. For details of the latest asset allocations and minutes of the committee meetings, please refer to our website at royallondon.com/pensioninvestments. Equity management options Each strategy invests the equity portion in an actively managed global equity fund, the RLP Global Managed fund. However there are alternative tracker and active equity management options if you prefer. Tracker funds, also known as passive funds, aim to perform in line with a market index such as the FTSE All Share index. They do this by investing in either all (full replication) or a representation (partial replication) of the index constituents. Tracker funds tend to be low cost as this replication is generally done automatically and does not require the same level of research as active management. Investments Actively managed funds aim to outperform the market index by employing fund managers and research teams to make tactical decisions on which stocks or sectors to invest in. They tend to have higher charges than tracker funds in line with the extra resource required to run these funds. It should be remembered that a higher charge does not guarantee better returns. Tracker the tracker version invests the equity portion of each portfolio in a global equity tracker fund, the RLP/BlackRock ACS Global Blend fund. Active the active version invests the equity portion of each portfolio in an actively managed global equity fund of funds, the RLP Global Blend Core Plus (Rathbone Global Alpha) fund. The equity portion of each portfolio is invested 50% UK equities and 50% overseas equities. This allocation is reviewed regularly by our IAC. Each portfolio is rebalanced on a monthly basis. This is the process of making sure the asset mix of the investments is maintained following movements due to Performance for each of the options detailed is shown overleaf.
2 CAUTIOUS LIFESTYLE STRATEGY risk consistent with a cautious risk attitude. Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Cautious Tracker Lifestyle Strategy Portfolio Portfolio Portfolio Cautious Active Lifestyle Strategy Global Managed Portfolio Portfolio Portfolio applicable to each fund. Please note that the Portfolios and their benchmarks are rebalanced on a monthly
3 MODERATELY CAUTIOUS LIFESTYLE STRATEGY risk consistent with a moderately cautious risk attitude. Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Moderately Cautious Tracker Lifestyle Strategy Portfolio Portfolio Portfolio Moderately Cautious Active Lifestyle Strategy Global Managed Portfolio Portfolio Portfolio applicable to each fund. Please note that the Portfolios and their benchmarks are rebalanced on a monthly
4 BALANCED LIFESTYLE STRATEGY risk consistent with a balanced risk attitude. Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Balanced Tracker Lifestyle Strategy Portfolio Portfolio Portfolio Balanced Active Lifestyle Strategy Global Managed Portfolio Portfolio Portfolio applicable to each fund. Please note that the Portfolios and their benchmarks are rebalanced on a monthly
5 MODERATELY ADVENTUROUS LIFESTYLE STRATEGY risk consistent with a moderately adventurous risk attitude. Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Moderately Adventurous Tracker Lifestyle Strategy Portfolio Portfolio Portfolio Moderately Adventurous Active Lifestyle Strategy Global Managed Portfolio Portfolio Portfolio applicable to each fund. Please note that the Portfolios and their benchmarks are rebalanced on a monthly
6 ADVENTUROUS LIFESTYLE STRATEGY risk consistent with an adventurous risk attitude. Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Portfolio Composite benchmark Difference Adventurous Tracker Lifestyle Strategy Portfolio Portfolio Portfolio Adventurous Active Lifestyle Strategy Global Managed Portfolio Portfolio Portfolio applicable to each fund. Please note that the Portfolios and their benchmarks are rebalanced on a monthly
7 Source: FTSE International Limited ( FTSE ) FTSE FTSE is a trade mark of the London Stock Exchange Group companies and is used by FTSE International Limited under licence. All rights in the FTSE indices and/or FTSE ratings vest in FTSE and/or its licensors. Neither FTSE nor its licensors accept any liability for any errors or omissions in the FTSE indices and/or FTSE ratings or underlying data. No further distribution of FTSE Data is permitted without FTSE s express written consent. Royal London 1 Thistle Street, Edinburgh EH2 1DG royallondon.com All literature about products that carry the Royal London brand is available in large print format on request to the Marketing Department at Royal London, 1 Thistle Street, Edinburgh EH2 1DG. All of our printed products are produced on stock which is from FSC certified forests. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number It provides life assurance and pensions. Registered in England and Wales, company number Registered office: 55 Gracechurch Street, London, EC3V 0RL. Royal London Marketing Limited is authorised and regulated by the Financial Conduct Authority and introduces Royal London s customers to other insurance companies. The firm is on the Financial Services Register, registration number Registered in England and Wales company number Registered office: 55 Gracechurch Street, London, EC3V 0RL. RL Corporate Pension Services Limited, registered in England and Wales, Company number Registered office is at 55 Gracechurch Street, London EC3V 0R. March 2019 IB Target Cash March 2019
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