Investing by Age

A simple solution for the journey to retirement

Investing by Age is designed to provide a simple solution for pension policyholders. You don’t need to make any choices about what to invest in yourself. Instead, investment professionals spread your money across a broad range of investments based on your age.

The strategy aims to help you grow your savings while you are younger, by investing more of your money in shares. As you get older, your money gradually shifts into more conservative investments such as government bonds and cash, with the aim of protecting you from significant falls in the value of your savings.

You can also choose from our range of Multi-Asset funds, or from our range of other Self-select funds.

The value of unit linked funds can go down as well as up and you may not get back the amount you invested. You should ensure that you are comfortable with the level of risk and reward associated with any fund you invest in.

Your investment timeline

As well as making an investment choice, you can choose how quickly or gradually you would like your savings to move to your chosen fund or strategy. If you do not want to choose your own timeline, you can leave the decision to us.

View your investment timeline options

Seek advice if you’re not sure

Although Investing by Age is designed to reflect the needs of pension policyholders, it may not be suitable for you, depending on your retirement plans, your other savings and investments, your goals, and your feelings about taking risk. If you choose Investing by Age, you will still need to review your investments regularly to ensure that they remain suitable for your circumstances.

If you are unsure whether Investing by Age is the right choice for you, please speak to an independent financial adviser.



Before you make a decision, have a look at your other investment options.


Need more information?

Glossary

Corporate bond funds

These funds invest in bonds issued by corporate borrowers. Returns may be higher than government bonds, for a higher level of risk. Returns may not keep pace with inflation.

Diversification

A term used to describe spreading your investments across a range of different assets classes, regions or industry sectors, to avoid concentrating your risk and potentially reducing the impact of market movements on the value of your investments.

Equity funds

Equity funds invest in a range of company shares. The price of shares can be volatile and go up or down based on how well the company is currently doing, or what its prospects are.

Government bond funds

These funds invest in bonds issued by governments. While interest rates remain low, returns are likely to be low and may not keep pace with inflation.

Money market or cash funds

Money market or cash funds invest in securities with a very short maturity, usually issued by governments, financial institutions or large companies. These are conservative investments in low-risk instruments, with the aim of protecting the value of your investment. Returns will likely be low and may not keep pace with inflation.

Multi-asset funds

These funds can invests across a wide range of equities, bonds and other assets. We seek to provide diversification.

Secure cash investment

A temporary cash fund in which the unit price is guaranteed not to decrease from the price at the initial investment date, although its value is unlikely to keep pace with inflation.

Unit-linked investment fund

Unit-linked funds allow you to combine your money with other investors so that you can access a diversified range of investments within a single portfolio. They can provide a cost-effective way of investing in a range of securities and assets, including shares of UK and overseas companies, corporate bonds, government bonds, money market instruments and cash deposits.

It’s important to bear in mind that the value of unit-linked funds can go down as well as up and you may not get back the amount you invested. You should ensure you are comfortable with the level of risk and reward associated with any fund you invest in.


Professional Advice

You may also choose to seek professional advice from a financial adviser, authorised by the Financial Conduct Authority, who specialises in investments.

How to find an authorised financial adviser

Online at www.unbiased.co.uk or telephone: 0800 023 6868

Please be aware that financial advisers may charge for their services.

You should ensure that any adviser you approach is authorised by the Financial Conduct Authority.

For details about help and guidance with your pension options please go to Pensions advice


Contact us

The easiest way to get in touch about the Proposal is to call the Equitable Life Proposal helpline.

Call Us

0330 159 1530

Monday to Friday (not including bank holidays)