Diamond Accumulation

Crystal offers first class investments for individuals contributing to their pension savings, allowing Partners the choice between award-winning Target Date Funds or a market leading Lifestyle investment strategy as the default option alongside a carefully selected and monitored range of self-select funds.

Target Date Funds

Target Date Funds are a series of funds tailored to a member’s retirement date. Each Target Date Fund is a diversified investment fund, which adjusts with age and proximity to retirement. It aims to give the highest possible pension income with a high level of risk management.

The Target Date Funds are provided by AB Global, who oversee the strategy ensuring that the mixture of assets is appropriate to the investment markets on a daily basis, using a Mobius Life investment platform.

 

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  • Diversified
  • Age Appropriate
  • Daily Monitoring
  • Risk Reducing
  • Intelligent
Lifestyle

The lifestyle strategy is provided by Legal & General Investment Management (LGIM), a global leader in passive investment management. It is designed to automatically manage members’ investments, with an aim to start protecting their funds from the age of 50 up to the age of 75.

The chart below outlines the overall strategy, which is appropriate throughout an individual’s period of saving. The lifestyle strategy does not contain traditional lifestyling to align a member’s investments to a specific retirement age, normally 65, with no further strategy beyond that point.

It is designed to maximise investment growth in the member’s early years, then gradually switch into other asset classes to reduce exposure to the stock market. With working patterns changing and retirement ages variable, the lifestyle strategy allows members the freedom to access their savings anytime from age 55, in the knowledge that their investments are continually monitored and adjusted, up to the age of 75.

 

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Self-Select

Passive Funds

  • Global Equity Passive
  • UK Index Linked Gilts
  • Property
  • Cash
  • Ethical
  • Sharia

Active Funds

  • Global Equity Active
  • UK Gilts
  • UK Corporate Bonds
  • Emerging Markets
  • UK Small Cap
  • UK Equity Active

Crystal offers first class investments for individuals contributing to their pension savings, allowing Partners the choice between award-winning Target Date Funds or a market leading Lifestyle investment strategy as the default option alongside a carefully selected and monitored range of self-select funds.

Target Date Funds

Target Date Funds are a series of funds tailored to a member’s retirement date. Each Target Date Fund is a diversified investment fund, which adjusts with age and proximity to retirement. It aims to give the highest possible pension income with a high level of risk management.

The Target Date Funds are provided by AB Global, who oversee the strategy ensuring that the mixture of assets is appropriate to the investment markets on a daily basis, using a Mobius Life investment platform.

(click image to enlarge chart)

  • Diversified
  • Age Appropriate
  • Daily Monitoring
  • Risk Reducing
  • Intelligent

‘Low cost’ Lifestyle

The ‘low cost’ core lifestyle strategy is provided by LGIM, a global leader in passive investment. The strategy offers risk reduction in the approach to expected retirement date, and is invested 57% in equities, 13% in alternatives and 30% in bonds. It exhibits around two-thirds of the risk of an equity-only portfolio while targeting around 85% of equity returns.

The chart below outlines the strategy, which is of a traditional design, appropriate throughout an individual’s period of saving. You can see below that the funds remain solely invested in growth and core until the age of 54, at which point they switch to core funds until the age of 68 when the funds will be switched into protection .

(click image to enlarge chart)

Self-Select

Partners can choose from an exceptional range of funds, managed by professional investment managers and white labelled to provide additional governance:

A

Passive Funds

  • BlueSky Global Equity Passive
  • BlueSky UK Index Linked Gilts
  • BlueSky Property
  • BlueSky Cash
  • BlueSky Ethical
  • BlueSky Sharia
A

Active Funds

  • BlueSky Global Equity Active
  • BlueSky UK Gilts
  • BlueSky UK Corporate Bonds
  • BlueSky Emerging Markets
  • BlueSky UK Small Cap
  • BlueSky UK Equity Active