My Future Choice

A governed, risk-graded investment solution for workplace pensions

What is My Future Choice?

My Future Choice is a governed risk-graded investment solution for Unisure Designer GPP.  It gives you the flexibility to cater for a range of risk profiles and retirement options, all within one governed solution. 

There are five ready-made growth portfolios to choose from, aiming to maximise returns for specific levels of investment risk. Together with automatic de-risking, you can be sure that My Future Choice remains appropriate throughout a customer's retirement journey

What we offer

Growth portfolios for different levels of risk

  • You can choose between five ready-made growth portfolios, each offering an investment selection based on different levels of investment risk.
  • We work hard to keep the funds within their risk tolerances and regularly rebalance them to ensure they stay on track.

Multi-asset investing via our Diversified Assets Funds

  • The Diversified Assets Funds are actively managed by Aviva Investors to ensure they keep pace with market developments. 
  • Customers' investments are spread across a globally diverse range of asset classes.

Automatic lifestyling with full pension freedoms

  • When customers are ten years from their retirement we de-risk their funds into the retirement option they've chosen.
  • Customers can choose between a full range of retirement options, including drawdown, cash and annuity, as well as a universal option for those who are undecided.

ESG Integration

  • Environmental, social and governance (ESG) considerations are integrated into our investment processes, using the best of both internal and external ESG data.
  • Aviva Investors, which manages the funds that make up My Future Choice, actively promotes good practice, aiming to reduce the ESG-related risks across the portfolios.

My Future Choice video

A video summary of our portfolios in under two minutes.

Please enable your browser JavaScript to view the video

Transcript

Picture this. My Future Choice.

My Future Choice makes it easy for your clients to invest in a mix of funds that suits their attitude to risk, their proximity to retirement and the way they wish to take their pension savings, without the need to choose individual funds.

My Future Choice provides the complete picture.

With five ready-made growth portfolios and the full range of retirement options, we’ve got all bases covered.

So, how does it work? 

First, a client is matched to the appropriate risk profile. There are five to choose from, ranging from low to high. 

Then, the client’s money is invested into a corresponding growth portfolio of Diversified Assets Funds.

Finally, at 10 years from retirement, clients are moved into a glidepath that targets their chosen retirement outcome: Universal, Drawdown, Cash or Annuity.

Here are five good reasons to make My Future Choice your choice for workplace pension clients…

First, there’s more asset diversification here than you might expect. It’s wider, broader and deeper than many traditional pension portfolios and extends across a globally diverse range of asset classes, from equities to corporate bonds, property to high yield debt.

Second: Unlike more traditional multi-asset funds, the Diversified Assets Funds aim to maximise returns while targeting a specific level of risk.

We work hard to keep the funds within their risk tolerances and regularly rebalance them to ensure they stay on track.

Third: We believe asset allocation is the key driver of returns, so we put active asset allocation at the heart of our investment process.

Fourth: We automatically de-risk customers as they approach retirement, so clients can rest assured that the amount of risk they are taking at any point is appropriate for where they are in their retirement journey.

Fifth: Environmental, social and governance factors are integrated into our investment processes and we actively engage with the companies we invest in to promote good practice and reduce ESG-related risks.

My Future Choice – the complete picture for workplace pensions.

To get the full details, here’s where you’ll find more information.