At what point do Retiready Solutions 2 to 5 move into safer investments and when would they move back?
Updated 27 January 2020
It's different for each of the four funds. There's a different trigger point (a level of volatility* or risk) that each fund has to reach before it triggers a move into safer investments (de-risks). The higher the risk level of the fund, the higher the level of risk each fund has to reach before it de-risks.
The triggers for de-risking and re-risking for each solution are currently as follows:
- Retiready Solution 2 de-risks when volatility goes above 10% and re-risks when it falls below 8%
- Retiready Solution 3 de-risks when volatility goes above 12% and re-risks when volatility drops below 10%
- Retiready Solution 4 de-risks when volatility goes above 14% and re-risks when it drops below 12%
- Retiready Solution 5 de-risks when volatility goes above 16% and re-risks when volatility goes below 14%
Please note, the above doesn’t apply to Retiready Stability. To find out more about how Retiready Stability manages risk, click here.
The value of investments can go down as well as up. Investors may get back less than they invested.