Retirement is an increasingly important issue for your clients, as responsibility shifts from governments and companies to individuals. Many people now have no choice but to take more responsibility for their pension. This provides an opportunity for those who want to engage with their investments to reap potential rewards in retirement.
Pension rules and regulations can be complex and hard to navigate. Schroders has a deep understanding of all aspects of the retirement journey and a lengthy history of helping meet the needs of those saving for, or in retirement. We understand the retirement environment for individuals, financial advisers and pension schemes at a global and country level. We use this breadth of experience and insight to inform our funds and investment solutions.
We have always taken a long-term approach to investing, which is consistent with the time horizon of many saving for retirement. Our aim is to deliver strong, sustainable returns over the long term. Many of our clients, both large and small, have been with us for decades and we have helped them through each stage of the process.
We believe in the ability of active management to better meet your clients’ needs. Indexes are not designed to meet real world goals, e.g. an aim with retirement to grow your money in line with inflation while achieving income of 4% a year. This is where active management can help. Using analysis, skill, experience and judgment, active management has the ability to offer a wide range of solutions that are better tailored to reach a specific retirement destination.
Our funds span the full retirement journey – from those providing returns above inflation during the earning and saving phase, to those that can provide an income for life in the later stages of retirement. There is an option to suit a multitude of requirements.
Past performance is not a guide to future performance and may not be repeated.
The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested. Exchange rate changes may cause the value of any overseas investments to rise or fall.
The views and opinions contained herein are those of the authors, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. This webpage is intended to be for information purposes only. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. The material is not intended to provide, and should not be relied on for, accounting, legal or tax advice, or investment recommendations. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. No responsibility can be accepted for errors of fact or opinion. Reliance should not be placed on the views and information in the webpage when taking individual investment and/or strategic decisions. Past performance is not a reliable indicator of future results, prices of shares and the income from them may fall as well as rise and investors may not get back the amount originally invested. All investments, domestic and foreign, involve risks including the risk of possible loss of principal. Investing in equities involves risk considerations, including market risk, prospects of stocks in the portfolio, changing interest rates, and real or perceived adverse competitive industry conditions. Investing in bonds may include interest rate, credit, inflation/deflation risk, mortgage and asset-backed securities, U.S. Government securities, and liquidity risks, to varying degrees. Investing overseas involves special risks including among others, risk related to political or economic instability, foreign currency (such as exchange, valuation, and fluctuation) risk, market entry or exit restrictions, illiquidity and taxation. These risks exist to a greater extent in emerging markets than in developed markets. The use of derivatives involves risks different from, or possibly greater than, the risks associated with investing directly in the underlying assets. Private assets are intended only for qualified and/or sophisticated investors and carry special risk considerations, including illiquidity risk, wide differences in valuations, the use of leverage, and higher credit risk than traditional assets. Asset allocation and diversification cannot ensure a profit or protect against loss of principal. No investment strategy, capability or technique can guarantee it will achieve its stated objective. UK Investors: The data contained in this webpage has been obtained from sources we consider to be reliable. No responsibility can be accepted for errors of fact and the data should be independently verified before further publication or use. The sectors shown are for illustrative purposes only and not to be considered a recommendation to buy or sell. Exchange rate changes may cause the value of any overseas investments to rise or fall. In North America, this content is issued by Schroder Investment Management North America Inc., an indirect wholly owned subsidiary of Schroders plc providing asset management products and services as a US SEC registered investment adviser and in the capacity of Portfolio Manager with the securities regulatory authorities in Canada. For all other users, this content is issued by Schroder Investment Management Limited, 1 London Wall Place, London EC2Y 5AU. Registered No. 1893220 England. Authorized and regulated by the Financial Conduct Authority.