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Risk-Managed Portfolios

Six ready-made portfolios, each offering a complete investment solution in a single fund.

The Risk-Managed Portfolios aim to grow your scheme members’ savings by investing in a mix of investments that match their attitude to risk and retirement goals. 

A simpler way to invest

Each portfolio is designed to make investing easier by offering a complete investment solution in a single fund. They can be particularly helpful for members who may not feel confident building their own investment portfolio or who don’t have access to financial advice. 

Use this video to explain how they work to scheme members. 

Investing can feel like a complicated business – but it doesn't need to be that way. Our six Risk-Managed Portfolios are simple to use, all-in-one solutions designed to grow your investments at a risk level you can choose.

All you need to do is select the single portfolio from our range that best matches your investment targets and your attitude to risk, from cautious through to adventurous. Our team of experts, supported by award-winning investment specialists, Aon, has done the hard work for you –carefully creating each portfolio to suit six different risk levels. 

Each portfolio includes a wide range of investments from around the world and can hold a mix of company shares, also known as equities, bonds and cash.

Diversification

Mixing up investments like this is a good way to manage the balance between risk and return, but bear in mind, the value of all investments can fall as well as rise and isn't guaranteed. There's a chance you could get back less than you invested.

For more adventurous investors, we might include a higher proportion of equities, some from emerging markets like India, South Africa, and Brazil. These aim to deliver higher returns over the long term but also have a greater risk of falling in value, and by greater amounts.

For more cautious investors, we'd reduce the proportion of equities and include more government and company bonds and cash. These investments tend to have lower growth potential, but are usually less risky, although they can still fall in value.

Our aim

Our aim is to deliver the best return possible for each risk level. All you have to do is choose the portfolio that's right for you. If you have a financial adviser, they can help you with this. You should always read the fund factsheets and key investor information before deciding.

Once you've chosen your portfolio, our Portfolio Management Team will take care of the rest – constantly monitoring markets and economic factors to take advantage of opportunities and guard against threats.

They'll adjust where you're invested with the aim of maintaining the optimum balance between risk and potential return. Be sure to check regularly that it's still meeting your needs. And, to make things even easier, you can choose the same portfolio for your pension, ISA and GIA. 

We've been helping our customers achieve a lifetime of financial security since 1831. And we've been managing multi-asset funds like the Risk-Managed Portfolios for nearly 40 years. Today, over one million customers invest in our multi-asset funds, trusting us to make saving simpler (As at May 2021).

Find out more about the funds, including where they invest, charges and risks at aegon.co.uk/risk-managed or ask your financial adviser.

Aegon's Risk-Managed Portfolios – a simpler way to invest.

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Benefits of our Risk-Managed Portfolios:

  • Six funds let members choose the balance of risk and long-term growth potential that’s right for them.
  • Available within a pension, ISA or GIA.
  • Managed on their behalf – we monitor the portfolios and change them if needed.
  • Provide a complete, risk-managed portfolio for a fixed ongoing charges figure of 0.25% per year (transaction charges and a platform fee will also apply).
  • Are backed by our Funds Promise, which means their performance is monitored by our Fund Governance Group.

 

Key features

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Range of risk levels

There are six funds, designed to grow long-term savings while keeping risk in a defined range. The range helps you align portfolios to individual needs – and members can move to lower-risk portfolios as they approach and enter retirement. 

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Cost effective

We keep costs at a competitive 0.25% ongoing charges figure (OCF) by using passive components and choosing not to invest in more expensive alternative investments. Eliminating unnecessary transaction charges also helps reduce costs. 

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Optimal asset allocation

Our Portfolio Management team works closely with Aon, investment specialists with extensive research capabilities, to create the strategic asset mix for each fund. Our long-term convictions mean changes are typically only made when there are fundamental market shifts, or to rebalance. This aims to take advantage of market gains while keeping costs low. 

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Independent input and choice

The portfolios have flexibility built into their mandate.  We’re not tied to any one asset allocation expert or fund manager, and have the freedom to use the funds and advisers that we feel will best fulfil the fund objectives.  The portfolios also benefit from our fund governance process, which is independent of our fund management function.

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Robust risk management

Our focus is on client outcomes, so risk management is embedded at every stage of the process. The Portfolio Management team, working with Aon, assesses how market factors might impact the portfolios' behaviour and adjust the asset mix where required. 

The value of investments can fall as well as rise, and members could get back less than they invest. 

Members should read the fund factsheets and key investor information documents before making any decisions. These provide full details, including risks and charges, and are available under the ‘Fund factsheets’ tab above. 

Waystone Management (UK) Limited (WS) is the authorised corporate director of the WS Aegon Risk-Managed Funds. This means they're responsible for the operation of the funds in accordance with the regulations.