The Retirement Account

Certainty, flexibility and simplicity for life

Retirement Account fund managers

The Retirement Account offers funds which are rated according to their level of risk, either cautious, balanced or adventurous.

Cautious funds

These funds are largely invested in lower- risk investments. This means there is less chance of the fund falling in value, although investment returns are also likely to be lower.

Balanced funds

These funds aim to achieve a balance of risk and return from a combination of lower risk and higher- risk investments. This means the funds may fluctuate in value in exchange for potentially higher returns over the medium to long term.

Adventurous funds

These funds have the potential to give you high prospects for growth. However, this means there is more chance of the fund falling in value.


As well as a choice of different risk levels, The Retirement Account offers a range of different investment styles to choose from. These are divided into Active funds, Passive funds and Protected funds. To read more about the different risk levels please select the relevant tab above. 

Active cautious funds

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.

Henderson Group

The Retirement Account Henderson Cautious Managed

Henderson Group's principal place of business is London, it is one of Europe's largest investment managers, with £82.1bn assets under management (as at 30 June 2015), representing a broad range of asset classes, including equities, fixed income, property and alternative investments.

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Standard Life Investment Management

The Retirement Account Standard Life Investments - GARS

Standard Life Investments manages £250.0 billion (as at June 2015) on behalf of clients worldwide. Their investment capabilities span equities, bonds, real estate, private equity, multi-asset solutions, fund-of-funds and absolute return strategies. 

Standard Life Investments - GARS - This fund makes extensive use of derivatives. These are more complex investments, and it is important that investors understand that they carry additional risks in adverse market conditions.

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Invesco Perpetual

The Retirement Account Invesco Perpetual Distribution

Invesco Perpetual is one of the largest independent investment managers in the UK with £78.04bn worth of assets (as at 31 December 2014). Invesco Perpetual’s investment philosophy is based on a belief in truly active fund management, with the aim of achieving long-term returns.

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Active balanced funds

AXA Framlington

The Retirement Account AXA Framlington Managed Balanced Fund

AXA Framlington takes an active, fundamental approach to investing. They are high conviction investors with an entrepreneurial mindset that is grounded in intensive company research and bottom-up stock selection as a primary source of added value.  €66 billion under asset under distribution as at 30 June 2015.

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Jupiter Asset Management

The Retirement Account Jupiter Merlin Balanced Portfolio

Jupiter Asset Management launched in 1985 as a specialist boutique and has grown to be one of the UK’s most successful and respected investment management groups. Jupiter has £31 billion in assets under management as at 31 December 2014.

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AXA Investment Managers

The Retirement Account AXA Distribution Fund

AXA Investment Managers (AXA IM) is a multi-expert asset management company within the AXA Group, a global leader in financial protection and wealth management. They are one of the largest European-based asset managers with €623 billion in assets under management as at 31 December 2014.

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Active adventurous funds

Jupiter-250x104

Jupiter Asset Management

The Retirement Account Jupiter Merlin Growth Portfolio

Jupiter Asset Management launched in 1985 as a specialist boutique and has grown to be one of the UK’s most successful and respected investment management groups. Jupiter has £31 billion in assets under management as at 31 December 2014.

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Henderson Group

The Retirement Account Henderson Global Equity Income

Henderson Group's principal place of business is London, it is one of Europe's largest investment managers, with £82.1bn assets under management (as at 30 June 2015), representing a broad range of asset classes, including equities, fixed income, property and alternative investments.

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Columbia Threadneedle

The Retirement Account Threadneedle Global Equity 

Columbia Threadneedle Investments is a leading global asset management group that provides a broad range of actively managed investment strategies and solutions for individual, institutional and corporate clients around the world. 

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Passive cautious funds

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  

The Retirement Account Cautious Index Fund

The Vanguard Group is one of the world’s largest investment management companies, managing over $3 trillion in assets under management as at September 2014. The Vanguard Group launched its first index fund in 1976 and launched its international business, Vanguard Investments UK Ltd, in 2009.

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Passive balanced funds

The Vanguard Group  

The Retirement Account Balanced Index Fund

The Vanguard Group is one of the world’s largest investment management companies, managing over $3 trillion in assets under management as at September 2014. The Vanguard Group launched its first index fund in 1976 and launched its international business, Vanguard Investments UK Ltd, in 2009.

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Passive adventurous funds

The Vanguard Group  

The Retirement Account adventurous Index Fund

The Vanguard Group is one of the world’s largest investment management companies, managing over $3 trillion in assets under management as at September 2014. The Vanguard Group launched its first index fund in 1976 and launched its international business, Vanguard Investments UK Ltd, in 2009.

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Protected funds

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. 

Investec Asset Management

The Retirement Account Investec Multi-Asset Protector (MAP) Fund

Investec Asset Management launched in 1991 as a specialist provider of active investment products and services. As at 28 February 2015 Investec has approximately £117 billion in assets under management.

The business has grown largely organically from domestic roots in Southern Africa to a position where they proudly serve a growing international client base.

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Protected Index Portfolio - fund will launch in early 2016

 

Cash 

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 

The Retirement Account Insight Liquidity Fund

Insight Investment Management is a specialist asset manager with £346 billion in assets under management as at 31 December 2014.

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. 

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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.