At what point do Retiready Solutions 2 to 5 move into safer investments and when would they move back?
Updated 27 February 2019
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. The level of risk each fund has to reach is higher the higher the risk level of the fund.
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.
The value of investments can go down as well as up. Investors may get back less than they invested.