The Retirement Account - Drawdown

The Retirement Account offers a wide choice of investment solutions from three distinct fund ranges, with the ability to adapt as your clients’ investment needs and objectives change over time.

Fund Research Centre 

All Retirement Account fund information is now available on the fund centre (built in conjunction with Morningstar). You can:

  • Access fund factsheets and daily unit prices
  • Search and segment using a range of factors such as fund sector, asset class and cost
  • Evaluate past performance
  • Compare up to five investments using a variety of user-defined factors
  • Use the Morningstar X-ray tool to provide information on a multi-investment portfolio and assess how asset allocation is diversified by region, sector and style.

Three fund ranges to choose from

The Retirement Account offers access to three distinct fund ranges, all with specific objectives and potential uses.

You can build portfolios using any combination of funds across the three ranges, with one simple charging structure. There are no restrictions on your fund choice and no charges for switching.

 

Core Range

What is it?

Why use the Core Range?

The Core Range draws on the expertise of Canada Life Investments to offer a simple, low-cost, set of insured multi-asset funds utilising both passive and active management styles that can align to a variety of risk profiles.

✔ A low-cost, time-efficient solution
✔ Simple options to suit nearly all clients with straightforward needs
✔ Clear, logical structure so it’s easy to make the right choice

Highlights of the Core Range

 
  • A range of low-cost, insured, ready-made, diversified funds
  • Risk-Targeted and Risk-Managed multi-asset options
  • Investment expertise through Canada Life Investments with funds assessed using the Canada Life governance framework
  • Active & Passive funds available
  • Protected fund offering a degree of security from the ups and downs of the stock market
  • Income generating fund options
  • Property funds

Find out more

Governed Range 

What is it?

Why use the Governed Range?

The Governed Range is made up of a broad selection of well-researched single & multi–asset insured funds from established asset managers, ranging from specialist boutiques to leading global investment houses, all selected and governed in conjunction with external specialists Square Mile Investment Consulting and Research.

✔ A wider range of ‘best in class’ funds from established investment houses at competitive cost
✔ An extra layer of confidence because funds are selected and assessed continuously through a robust governance process

Highlights of the Governed Range

 
  • A selection of well-researched actively managed single & multi–asset insured funds from established investment houses
  • A range of single strategy passive funds
  • Governance, monitoring and maintenance of the range is carried out in conjunction with Square Mile Investment Consulting and Research

Find out more

 Extended Range

What is it?

Why use the Extended Range?

The Extended Range has been created to offer choice and exposure across all investment sectors and markets through direct access to collective investments.

✔ For ultimate flexibility to select from a platform-style fund range where you can build investment strategies that align to your own model portfolios or centralised investment propositions
✔ Extensive exposure to investment sectors and markets through direct investment in OEICS and Unit Trusts

Highlights of the Extended Range

 
  • Comprehensive, platform-style selection of managed funds
  • Broad exposure across sectors and markets
  • Funds provided by a selection of fund houses

Find out more

 

Protected funds
Stock markets can be volatile which can be damaging for those seeking to take income during their retirement, especially when negative performance happens during the early years. Our protected fund offers a degree of security from the ups and downs of the stock market.
Find out more

Retirement Account –
Adviser brochure

Retirement Account - 
Investment options

Sequence of
returns risk

Benefits of
rebalancing

Index Managed (80% Protected) Fund brochure

A Natural home for Final Salary Scheme transfers

Retirement Account -
At a glance

Technical
summary

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 Income, inflation may reduce how much your income is worth over the years.

 

Useful links

The Retirement Account
The Retirement Account Dashboard
The Retirement Account Funds
Related Documents

This website is for UK professional advisers only and is not approved for use by private customers.

Canada Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Canada Life International Limited and CLI Institutional Limited are Isle of Man registered companies authorised and regulated by the Isle of Man Financial Services Authority.

Canada Life International Assurance (Ireland) DAC is authorised and regulated by the Central Bank of Ireland.

Stonehaven UK Limited and MGM Advantage Life Limited, trading as Canada Life, are subsidiaries of The Canada Life Group (U.K.) Limited. Stonehaven UK Ltd is authorised and regulated by the Financial Conduct Authority. MGM Advantage Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.