Client aligned
There are six Risk-Managed 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
Our Portfolio Management team works 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 the Portfolio Management team, working with Morningstar, assesses how market factors might impact the portfolios' behaviour. And where necessary, the asset mix will be adjusted to ensure the funds remain aligned to risk profiles and can meet their objectives.
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.
Independent input and choice
The Risk-Managed Portfolios have a great deal of flexibility built in to their mandate. This means Aegon is not tied to any one asset allocation expert or fund manager and has 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 of 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.
