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Lifestyle investment option

The Lifestyle strategy will automatically switch your investments over time. Up until 5 years before your designated retirement age, your assets will be invested in the L&G Global Equity Fixed Weights (50:50) Index Fund. From then on, your assets will be switched into a combination of the L&G Over 5 Year Index-Linked Gilts Index and the L&G Cash funds over the period to retirement so that you will not be invested in equities when you come to retire. The chart below illustrates how the proportions in each type of investment will vary over time:

The Trustees retain the discretion to vary the matrix and the underlying funds of the Lifestyle approach, although you would be informed of any changes.

This strategy may not be suitable for you and may not provide as favourable an outcome as another investment approach. You must keep the decision to invest in a lifestyle option under regular review. If you choose not to select an investment option, the Lifestyle strategy will apply.