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 range where you can build your own investment strategy. Financial advisers can use this range to align to their own model portfolios or centralised investment/retirement propositions.
• Extensive exposure to investment sectors and markets through direct investments in OEICS and Unit Trusts

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

Our Extended Fund Range gives you direct access to collective investments across all markets and investment sectors. We’re always looking to evolve the funds we offer in our Extended Range to meet adviser and client needs. If we don’t have a fund you’d like then please get in touch with us.

Although Self-invested Personal Pensions offer a broad range of investments, our Extended Range will not accept any unregulated investments, directly held property, quoted or unquoted shares, government gilts or structured products.

All money invested within the Extended Range will be via Open-Ended Investment Companies (OEICs) and/or Unit Trusts which are professionally managed collective investment funds. In contrast to insured funds available in the Core and Governed ranges, you can invest directly into a fund with a fund manager through The Retirement Account.

There is no insurance policy because these are known as ‘non-insured’ funds. However, if a fund manager of a ‘non-insured’ fund were unable to meet claims against them, The Retirement Account trustee would make a claim to the Financial Services Compensation Scheme (FSCS). The FSCS would cover a claim of up to £85,000 for the affected fund. Note that FSCS compensation is limited to UK authorised funds. Compensation for funds not authorised in the UK will vary according to local regulation.

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 as well how much your income is worth over the years. We recommend seeking advice from a suitably qualified adviser.