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Where can I get the B&CE Pre-Retirement Fund factsheet?

The factsheets contain more detailed information about each fund. This includes details about each fund’s aims and objectives, the fund manager, the charges, fund performance, facts, asset allocation and a market review.

Where can I get the self-select fund factsheets?

The factsheets contain more detailed information about each fund. This includes details about each fund’s aims and objectives, the fund manager, the charges, fund performance, facts, asset allocation and a market review. All of the fund factsheets are available in our resource library.

What are the features of the ‘adventurous’ investment profile?

The ‘adventurous’ investment profile is designed to provide:

– Higher risk and increased volatility
– Aims to maximise growth in the long term
– Moves to lower risk investments approaching retirement
– For members who are prepared to take on more risk for the potential for increased growth.

There are two main stages in the investment profiles. When joining the scheme, members with more than 15 years before their selected retirement age enter a growth phase, where contributions are invested in an equity based fund with the aim of maximising potential investment return for an appropriate level of risk. Members then enter a ‘glidepath’ phase where assets are switched into the Pre-Retirement Fund which has lower volatility. This phase starts 15 years before their selected retirement age.

What are the features of the ‘cautious’ investment profile?

The ‘cautious’ investment profile is designed to provide:

– Lower risk and volatility
– Moderate growth over the long-term
– Moves to lower risk investments approaching retirement
– For members who are prepared to accept some degree of risk, but who look for investments with lower volatility.

There are two main stages in the investment profiles. When joining the scheme, members with more than 15 years before their selected retirement age enter a growth phase, where contributions are invested in an equity based fund with the aim of maximising potential investment return for an appropriate level of risk. Members then enter a ‘glidepath’ phase where assets are switched into the Pre-Retirement Fund which has lower volatility.  This phase starts 15 years before their selected retirement age.

What are the features of the ‘balanced’ investment profile?

New members are automatically placed into the ‘balanced’ investment profile unless they choose otherwise.

The ‘balanced’ investment profile is designed to provide:
– Medium risk
– Potential for long-term growth with some security
– Moves to lower risk investments approaching retirement
– Designed for members who prefer to take some risk but would also like some of their investments to be secure.

There are two main stages in the investment profiles. When joining the scheme, members with more than 15 years before their selected retirement age enter a growth phase, where contributions are invested in an equity based fund with the aim of maximising potential investment return for an appropriate level of risk. Members then enter a ‘glidepath’ phase where assets are switched into the Pre-Retirement Fund which has lower volatility. This phase starts 15 years before their selected retirement age.