- 1
- 2(current)
- 3
- 4
- 5
- 6
Consider your risk level and choose your fund.
There are four funds to choose from, each designed to match a different risk level. This makes saving through an ISA simple for you. Click on the numbers below to find out more about the funds.
You should know...
Our Retiready Solution ISA funds changed on 7 November 2024. Any previous investment in these funds was moved to the cash facility in your account.
If you’re not sure whether your investments are held in the cash facility, you can check using the Fund activity tab on your Retiready ISA dashboard. If your investments are still held in the cash facility, you won’t be able to use the digital service to switch funds until you’ve moved money held in the cash facility to another investment solution. Find out more. The information below is only applicable if you chose to re-invest in the new fund already offered.
Our Retiready ISA closed to new applications on 31 October 2024. If you’re an existing Retiready ISA customer, you can continue to manage it online and transfer in any other ISAs you may hold.
The underlying funds that our Retiready Pension 2-5 invests in changed as at March 4 2024. This means that they now invest differently to the Retiready Solution ISA funds. Find out more in our FAQ.
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Remember, the value of investments can fall as well as rise. You may get back less than you invest. There's no guarantee the funds will meet their objectives. Although the fund has no fixed term, you should be prepared to hold the investment for at least five years, ideally longer.
Not sure what risk level is right for you?
Before you choose a fund, it's important you're clear on your risk level. Take our risk assessment to find out what yours is.
Here's more about the different risk levels
About Fund 1
Sorry, we don't have a fund for risk level 1.
Retiready Solution 2 (WS Aegon Risk-Managed 3)
The fund aims to manage risk by regularly reviewing its mix of investments and making adjustments to keep the fund within its risk level. Although risk is actively managed, it doesn’t mean there’s no risk and the fund could still experience falls in value.
It is designed for investors who have a below average tolerance for risk and value a balance between preserving capital and achieving some capital growth over the long term. The fund invests in a balanced portfolio of fixed interest securities (between 9%-65%) including corporate and government bonds, between 35%-65% in equities (company shares) and between 0%-26% in money market funds. It will gain access to this mix through various index tracker funds, except for the cash investments.
For more information on the fund please see the Key Investor Information Document.
Retiready Solution 3 (WS Aegon Risk-Managed 4)
The fund aims to manage risk by regularly reviewing its mix of investments and making adjustments to keep the fund within its risk level. Although risk is actively managed, it doesn’t mean there’s no risk and the fund could still experience falls in value.
It is designed for investors who have an average tolerance for risk, are seeking capital growth over the long-term and are comfortable with the potential for some loss. The fund invests in a diversified portfolio of mainly (between 50%-80%) equities (company shares), between 0%-50% in fixed interest securities including corporate and government bonds, and between 0%-24% in money market funds. It will gain access to this mix through various index tracker funds, except for the cash investments.
For more information on the fund please see the Key Investor Information Document.
Retiready Solution 4 (WS Aegon Risk-Managed 5)
The fund aims to manage risk by regularly reviewing its mix of investments and making adjustments to keep the fund within its risk level. Although risk is actively managed, it doesn’t mean there’s no risk and the fund could still experience falls in value.
It is designed for investors who have an above average tolerance for risk, are seeking to maximise capital growth over the long-term and are comfortable with the potential for significant falls in value. The fund invests in a portfolio of mainly (between 65%-95%) equities (company shares). It can also invest in fixed interest securities (between 0%-35%) including corporate and government bonds, and between 0%-22% in money market funds. It will gain access to this mix through various index tracker funds, except for the cash investments.
For more information on the fund please see the Key Investor Information Document.
Retiready Solution 5 (WS Aegon Risk-Managed 6)
The fund aims to manage risk by regularly reviewing its mix of investments and making adjustments to keep the fund within its risk level. Although risk is actively managed, it doesn’t mean there’s no risk and the fund could still experience falls in value.
It is designed for investors who have high tolerance for risk, are seeking to maximise capital growth over the long-term and are comfortable with the potential for significant and sustained falls in value. The fund invests in a portfolio of mainly (between 80%-100%) equities (company shares). It can also invest in fixed interest securities (between 0%-20%) including corporate and government bonds, and between 0%-20% in money market funds. It will gain access to this mix through various index tracker funds, except for the cash investments.
For more information on the fund please see the Key Investor Information Document.
Potential outcome
In 10 years, your ISA may look like this.
- Low
- Medium
- High
Switch between yearly and total to see your savings either as a yearly income or as your total fund value.
These figures are not guaranteed. The value of investments can fall as well as rise and you may get back less than you invest. See how these are calculated
This is just an indication of what you may get back, a full personal illustration will be provided further into the process.
These figures are not guaranteed. The value of investments can fall as well as rise and you may get back less than you invest. See how these are calculated
This is just an indication of what you may get back, a full personal illustration will be provided further into the process.
These figures are not guaranteed. The value of investments can fall as well as rise and you may get back less than you invest. See how these are calculated
This is just an indication of what you may get back, a full personal illustration will be provided further into the process.
These figures are not guaranteed. The value of investments can fall as well as rise and you may get back less than you invest. See how these are calculated
This is just an indication of what you may get back, a full personal illustration will be provided further into the process.