Our default investment strategy, FutureWise provides a solution for all retirement options.
FutureWise has been designed for the era of auto enrolment and pension flexibilities. It targets an asset mix at retirement that can generate sustainable income, but also deliver the capital stability required by those buying an annuity or taking cash. It uses a wide range of investments to increase the level of diversification and reduce the level of volatility, with the governance and oversight conducted by Fidelity. It uses a sophisticated risk-controlled framework and aims to target consistent and sustainable outcomes for members over time. Taken together, these factors aim to help members make the most of their savings throughout their working lives, while leaving them the flexibility to take their retirement income in the ways they choose. While diversification aims to manage investment risk it cannot eliminate it.
A key advantage of FutureWise is that we remain responsible for the ongoing governance and suitability of the strategy, minimising the input needed from the employer. If, as plan sponsor, you want to play a more active role in designing the investment strategy, we can construct bespoke solutions together with you and / or your consultant.