The Retirement Account

The certainty of an annuity and the flexibility of drawdown in one simple tax-advantaged wrapper

Retirement Account fund fact sheets and performance

The Retirement Account fund range offers a choice of risk, investment styles and cost dependent on the clients’ circumstances. Any combination of funds can be selected.

There’s no charge for switching between funds, and switches can be made as often as required.

The same funds are available to both Pension Savings and Pension Drawdown options but you can choose to invest in different funds for each part if you wish. If at a later stage you decided to move money from Pension Savings to Pension Drawdown then the funds you selected for Pension Savings will be used unless you tell us otherwise.

 A summary of how each of the funds is performing can be seen here.

Retirement Account monthly fund performance summary 

The Retirement Account has its own range of investment funds. Please select the type of fund from the various tabs to view the fund fact sheets. 

A range of retirement account funds

Active funds

Active funds are managed by a specialist investment manager, or team of specialists, who have a certain freedom over the investments they make. Investment managers use their knowledge and experience to attempt to beat the returns you could achieve by investing in a stock market index, over the long term.

Active cautious managed funds 


The Retirement Account Janus Henderson Cautious Managed  

Note from Square Mile Research Team: Henderson Cautious Managed

Following the news that Chris Burvill, the long-standing manager of the Henderson Cautious Managed fund is taking an extended period of leave for medical reasons, we have taken the decision to suspend the fund's AA rating. In Chris's absence, the fund will continue to be managed by Stephen Payne. We do not expect there to be a significant departure from Chris's well established and consistently applied investment approach but will obtain a full update on the fund and the implications of his absence at our next review meeting


The Retirement Account Standard Life Investments - GARS

This fund will close to new business on 14/08/2017

The Retirement Account Threadneedle Dynamic Real Return

This fund was launched on the 14/08/2017 so there is no past performance information available. To ensure you have an understanding of how the underlying funds has performed in the past we have linked to the Columbia Threadneedle factsheet.

Please note that this fact sheet is for reference only and the asset allocation, charges and performance of the Retirement Account fund may differ.

Find out more about the underlying fund

DT rating 4


The Retirement Account Invesco Perpetual distribution

DT rating 5

Active balanced managed funds


The Retirement Account AXA Framlington Managed Balanced


The Retirement Account Jupiter Merlin Balanced Portfolio


DT rating 6

PDF-logo The Retirement Account AXA Distribution

Active adventurous managed funds


The Retirement Account Jupiter Merlin Growth Portfolio


DT rating 7


The Retirement Account Janus Henderson Global Equity Income


The Retirement Account Threadneedle Managed Equity

DT rating 7

Passive funds 

Passive funds aim to track the performance of an index, for example the FTSE 100. The investment process is largely automated and therefore less expensive, so passive funds tend to charge less.


The Retirement Account Cautious Index Portfolio 

DT rating 3Read the certificate


The Retirement Account Balanced Index Portfolio

DT Ratings-5Read the certificate


The Retirement Account Adventurous Index Portfolio

DT Ratings-7Read the certificate

Protected funds 

Protected funds offer, as their name suggests, a degree of protection from the ups and downs of the stockmarket. We offer one actively-managed and one passively-managed Protected fund within The Retirement Account range.


Retirement Advantage TRA 80% Protected Index Portfolio - exclusive to The Retirement Account

Download the customer brochure

DT Ratings-4 Read the certificate

Download our daily PIP report

Download the daily report


The Retirement Advantage Investec Multi-Asset Protector 

Download the sales aid

DT Ratings-4

Download our daily Investec Multi-Asset Protector report

Download the daily report

Cash Fund 

This fund aims to preserve capital and daily liquidity, and will typically invest in bank deposits, certificates of deposit, and other secure assets.

PDF-logo The Retirement Account Liquidity Fund  

Contact your local Business Development Manager 

Want to find out more about The Retirement Account funds? Speak to your local Business Development Manager or call us on 0800 912 9945. 

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