The Retirement Account

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

Retirement Account fund managers

These are managed by 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.

For more than 40 years we have been investing with an eye to the future and a focus on aiming to deliver consistent excess returns through active, fundamental, bottom-up stock selection. Led by our convictions and a recognition that long-term investment focus is increasingly shifting from a geographic to a thematic approach, we offer a range of solutions aiming to meet the needs of our clients. We currently manage €54 billion of assets (31.12.2017).

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AXA Investment Managers takes an active, long term approach to investing. With fundamental research at the core of our process, our investment professionals seek out and develop the most efficient and robust sources of alpha across world markets. From equities, fixed income and real assets to alternatives and multi-asset, we marry innovation and risk management in a bid to deliver long-term, value for clients. We currently manage €746 billion of assets (31.12.2017).

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Canada Life Investments is a UK-based asset manager responsible for managing more than £37bn of equities, fixed income and property. We have been active in the UK for more than 100 years, having first established our life insurance business here in 1903. Our focus is on the long term and we believe that active management is the best way to add value for our clients and generate superior returns.

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Columbia Threadneedle Investments is a leading global asset manager. We know investors want strong and repeatable risk-adjusted returns and we aim to deliver this through an active and consistent investment approach that is team-based, risk-aware and performance-driven. We are committed to first class client service and investment excellence. We have a dedicated team of more than 2,000 colleagues across the globe located in 18 offices, managing £366bn in assets (31.12.2017).

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At Invesco Perpetual, our focus is on helping you achieve your financial objectives. Invesco Perpetual has grown to become one of the largest and best regarded investment managers in the UK. Key to our success has been a relentless commitment to investment excellence and our focus on helping investors achieve their financial objectives. As part of Invesco Ltd we have the strength in depth and resources necessary to perform, with investment professionals located in 20 countries and more than 6,500 employees worldwide.

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Formed in 2017 from the merger between Janus Capital Group and Henderson Global Investors, we are committed to adding value through active management. Janus Henderson Investors exists to help clients achieve their long-term financial goals. We currently manage £274.1bn (US$370.8bn) and employ more than 2000 members of staff worldwide (as at 31 December 2017).

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Jupiter is an established fund management group that seeks to add value for our clients through the delivery of outperformance over the medium to long term. Our origins go back to 1985 as a specialist investment boutique founded in London. Since then we have expanded beyond the UK as retail and institutional investors have been attracted to our active approach to asset management. Although we are now too large to be considered a boutique – we manage £50.2 billion in total (as at 31.12.2017).

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These 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 Vanguard Group is one of the world’s largest investment management companies, managing over $4.9 trillion in assets under management (31.12.2017). Investors can't control the markets, but they can control the costs of investing. Providing low-cost investments isn't a pricing strategy for us. It's how we do business. Vanguard's scale also helps to keep costs low. As our assets under management increase, we can reduce costs for the investors in our funds globally. In the UK, Vanguard leverages the scale, experience and resources of our established global business.

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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 (Morgan Stanley) - exclusive to The Retirement Account

This fund aims to provide the potential for investment growth by managing the asset allocation of a portfolio of UK and global index-trackers. It includes exposure to equities (up to 60%) together with UK corporate bonds and cash. The fund seeks to deliver protection at 80% of the investment’s highest unit price to date. The protection is provided by Morgan Stanley. The fund invests in a multi-asset passively managed portfolio containing Vanguard UK and iShares exchange traded funds. The protection is provided by Morgan Stanley.

The Vanguard Group

The Vanguard Group is one of the world’s largest investment management companies, managing over $4.9 trillion in assets under management (31.12.2017). Investors can't control the markets, but they can control the costs of investing. Providing low-cost investments isn't a pricing strategy for us. It's how we do business. Vanguard's scale also helps to keep costs low. As our assets under management increase, we can reduce costs for the investors in our funds globally. In the UK, Vanguard leverages the scale, experience and resources of our established global business.

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iShares

IShares is a global leader in exchange-traded funds (ETFs), with more than a decade of expertise and commitment to individual and institutional investors of all sizes. With over 800 funds globally across multiple asset classes and strategies and more than $1.5 trillion USD in assets under management (30.09.2017), IShares helps clients around the world build the core of their portfolios, meet specific investment goals and implement market views. IShares funds are powered by the expert portfolio and risk management of BlackRock, trusted to manage more money than any other investment firm (based on AUM at 30/09/17).

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Morgan Stanley

The protection component is provided by Morgan Stanley, a leading global financial services firm providing investment banking, securities, wealth management and investment management services.  With offices in more than 43 countries and more than 60,000 employees, Morgan Stanley serves clients worldwide including corporations, governments, institutions and individuals. They manage over $2 trillion in assets worldwide.

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Launched in South Africa in 1991, we are one of the first asset management firms to build a global franchise from emerging market origins. Now we’re an international business managing approximately $141 billion (as at 31.12.2017) for clients based all over the world. This means we see the world differently, allowing our clients to benefit from our unique insight.

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

Insight Investment Management is a specialist asset manager with £585 billion in assets under management (31.12.2107). Insight launched in 2002 and has grown to be one of the largest asset managers in the UK, winning industry recognition for their investment capabilities. Since our inception, we have strived to develop new ways of investing to help deliver complex investment outcomes. Our goal has been to solve the real investment problems faced by a broad range of clients, from pension funds and insurers to sovereign wealth funds and individuals.

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The value of investments may go down as well as up. Taking income or withdrawals in excess of fund growth may result in the fund running out quicker than expected. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Inflation will reduce how much the Fund is worth in real terms and inflation will reduce how much your income is worth over the years. It is essential to seek advice from a suitably qualified adviser. In respect of the Guaranteed Annuity, inflation may reduce how much your income is worth over the years.

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