Retirement Planning Guide

Planning for retirement can seem like a daunting task but it is important to think about how you are going to support yourself financially in your later years.

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Ready-made portfolios

We’ve divided our ready-made portfolios into three different levels of risk - cautious, moderate and adventurous. Each has a number of fund options to choose from. The fund manager will ensure that your chosen fund is continually rebalanced to stay in line with its objectives and risk parameters. However, it is still important that you regularly review your investments to ensure they remain appropriate for your needs.

The portfolios are reviewed by our in-house research team who examine factors such as performance, value for money, asset allocation and risk profile on a regular basis. This is overseen by Willis Owen's investment committee who meet on a quarterly basis to review the performance and appropriateness of these and will make changes as necessary.

We haven't assessed your attitude to risk or objectives and haven't made a personal recommendation. You are responsible for choosing and managing your investments.

Choose your approach to investing:

Cautious Moderate Adventurous

Multi-Asset - Cautious ready-made portfolios

The multi-asset Funds listed below are designed for individuals with a more cautious investment style. You can choose between a number of actively managed and passive Fund options.

These funds tend to invest less in shares and more in fixed interest securities than more adventurous fund options in order to achieve modest levels of growth whilst reducing volatility, although your investments can still fall in value.

Choose from one of the following:

Type	Fund Name	IA Sector	Investment Charge(%)*
Active	Fidelity Multi Asset Income W Inc	Mixed Investment 0-35% Shares	1.02	Choose
Active	Jupiter Merlin Conservative Portfolio I Acc	Mixed Investment 0-35% Shares	1.17	Choose
Passive	Vanguard LifeStrategy 40% Equity A Acc	Mixed Investment 20-60% Shares	0.28	Choose

* The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated to the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.

Multi-Asset - Moderate ready-made portfolios

The multi-asset Funds listed below are designed for individuals with a moderate investment style. You can choose between a number of actively managed and passive Fund options.

These Funds invest a significant proportion of their assets in shares which means there will be some volatility. This provides the potential to achieve reasonable levels of growth although your investments can still fall in value.

Choose from one of the following:

Type	Fund Name	IA Sector	Investment Charge(%)*	Morningstar Analyst Rating^TM	Morningstar Rating^TM	Morningstar Sustainability Rating^TM	Factsheet
Active	Royal London Sustainable Diversified Trust C Acc	Mixed Investment 20-60% Shares	0.98					Choose
Passive	Vanguard LifeStrategy 60% Equity A Acc	Mixed Investment 40-85% Shares	0.28					Choose

* The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated with the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.

Multi-Asset - Adventurous ready-made portfolios

The multi-asset Funds listed below are designed for individuals with an adventurous investment style. You can choose between a number of actively managed and passive Fund options.

These Funds invest a very high proportion of their assets in shares and as such, investors are likely to experience high levels of market volatility. This provides the potential to achieve growth over the longer term although your investments can still fall in value.

Choose from one of the following:

Type	Fund Name	IA Sector	Investment Charge(%)*	Morningstar Analyst Rating^TM	Morningstar Rating^TM	Morningstar Sustainability Rating^TM	Factsheet
Active	Royal London Sustainable World Trust C Acc	Mixed Investment 40-85% Shares	1.03					Choose
Passive	Vanguard LifeStrategy 80% Equity A	Mixed Investment 40-85% Shares	0.26					Choose

We don’t provide advice as to whether an investment is suitable for you. Before investing you should make sure you understand the risks involved and, if you’re unsure, seek expert financial advice.

Past performance of an investment is not a guide to future performance, the value of investments or income from them may go down as well as up and you may get back less than you originally invested. Tax treatment depends on your individual circumstances and may change.

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Investment options

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Have a question?

Call 0800 597 2525

Willis Owen Limited is authorised and regulated by the Financial Conduct Authority and is registered in England (No.3283706) at Ground Floor, 507 (Unit 2), Centennial Business Park, Elstree, WD6 3FG. The information and content of this site is intended for UK consumers.