Our seven Core Portfolios each offer a complete investment solution in a single fund. They use mainly passive components to create value-focussed, risk-targeted portfolios that are closely aligned to client needs. The Core Portfolios provide access to expert asset allocation and robust governance and they have the freedom to draw on expertise from across the industry.
They're available to clients with an Aegon Retirement Choices or One Retirement pension.
There are seven Core Portfolios designed to grow long-term savings while keeping risk within a defined range. The broad range of options helps you closely align portfolios to individual needs. And to help further, the fund range is mapped to risk ratings from Defaqto, Dynamic Planner, FinaMetrica and Synaptic.
Optimal asset allocation
We work closely with Morningstar1, award-winning investment specialists with extensive research capabilities, to create the optimal strategic asset mix for each fund in the range. Our long-term convictions mean changes are typically only made when there are fundamental shifts in the markets, or when rebalancing is required. The aim is to take advantage of market gains while keeping costs low.
Robust risk management
Our focus is on client outcomes, so risk-management is embedded at every stage of the process. This means we assess how market factors might impact the portfolios' behaviour. And where necessary, working with Morningstar, the asset mix will be adjusted to ensure the funds remain aligned to risk profiles and can meet their objectives.
We keep costs down by eliminating unnecessary transaction costs, using passive components and choosing not to invest in more expensive alternative investments.
Independent input and choice
The Core Portfolios have a great deal of flexibility built in to their mandate. We are not tied to any one asset allocation expert or fund manager and have the freedom to use any funds and advisers that we feel will help fulfil the fund objectives.
The portfolios also benefit from our fund governance process, which is independent to our fund management function.
1"Morningstar" refers to the Morningstar Investment Management Group, which includes Morningstar Investment Management Europe Limited, an FCA regulated firm, which is the entity providing the advice.
Find out where the Core Portfolios sit on Defaqto, Dynamic Planner, FinaMetrica and Synaptic risk scales.See risk ratings See risk ratings
In line with our Funds Promise, we check the Core Portfolios regularly with the aim of making sure they're meeting their objectives.
- We make asset allocation changes based on recommendations from our independent asset allocation provider, currently Morningstar.
- We check to see whether the component funds as well as the overall portfolio are performing as expected.
- We change the asset allocation, remove or add funds without the need to contact investors.
Literature for advisers
Literature for clients
There’s no guarantee the funds will meet their objectives. The value of an investment can fall as well as rise and isn't guaranteed. Your client could get back less than they invest.
We build our investment proposition around a set of four fundamental beliefs:
- We believe choice is important
- Multi-asset solutions are key
- We invest for the long term
- We’re responsible investors