Our investments  

About Retiready Stability

This fund matches our risk level 1 and aims to deliver positive returns in excess of a bank deposit account over the medium to long term. It’s designed for very cautious investors who might otherwise invest in cash or for those whose main priority is preserving the value of their savings rather than growing them. Even if there’s a sudden fall in markets, we wouldn’t expect this fund to fall by more than 5%*, although this isn't guaranteed. The downside to this is that returns are likely to be lower and there’s a greater risk that the real value of your savings may be eroded by inflation over the long term.

The fund invests in a wide variety of investments from all over the world, and in different funds, so investors are not reliant on the success of just one manager or type of investment. 

This fund is different from Retiready Solutions 2 to 5. It manages risk in a completely different way and its investment charge of 0.86% is also higher.

For more information and fund specific risks, please see the factsheet.

The Retiready Stability fund is only available for pension investors.

* During the height of the market volatility caused by the Coronavirus pandemic in 2020, the fund fell by less than 5%. (Source: Financial Express, net of charges). This example shouldn't be taken as a guide to how the fund will perform in the future. The value of an investment can fall as well as rise and isn't guaranteed.

About Retiready Solution 2

This fund matches our risk level 2 and is designed for investors who are concerned about losing money, but realise they may have to take some risks with their savings to stay ahead of rising prices.

It aims to grow investors’ savings by investing around 40% in a mix of less risky assets, like bonds and commercial property, with around 60% invested in riskier assets, such as equities (shares) including some in emerging markets equities.

Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.

All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.

Retiready Solution 2 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy I (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.

About Retiready Solution 3

This fund matches our risk level 3 and is designed for investors who take a balanced view of risk and are prepared to take some risks in the hope that long-term returns will outstrip any short-term losses.

It aims to grow investors’ savings by investing around 30% in a mix of less risky assets, like bonds and commercial property, with around 70% invested in riskier assets, such as equities (shares) including some in emerging markets equities.

Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.

All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.

Retiready Solution 3 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy II (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.

About Retiready Solution 4

This fund matches risk level 4 and is designed for investors who are less concerned about losing money (even if it’s quite a bit) in the short term than giving their savings the best chance to grow over the long term.

It aims to grow investors’ savings by investing around 20% in a mix of less risky assets, like bonds and commercial property, with around 80% invested in riskier assets, such as equities (shares) including some in emerging markets equities.

Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.

All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.

Retiready Solution 4 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy III (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.

About Retiready Solution 5

This fund matches risk level 5 and is designed for investors who are willing to take significant investment risk and prioritise growing their savings over protecting their capital.

It aims to grow investors’ savings by investing around 10% in a mix of less risky assets, like bonds and commercial property, with around 90% invested in riskier assets, such as equities (shares) including some in emerging markets equities.

Although the investment has no fixed term, you should be prepared to hold the investment for at least five years, and ideally not tie yourself to a fixed end date.

All our Retiready Solutions have an added safeguard that moves some money out of riskier investments into safer ones when things get too risky.

Retiready Solution 5 is a brand name. If you invest in this solution via an ISA you’re investing directly in the BlackRock Volatility Strategy IV (E share class) fund. If you’re investing via a pension, you’re investing in an Aegon insured version of that fund. See our fund factsheet or the relevant BlackRock Key Information Document for more information and the fund specific risks.