Select the best investment solution for you
We have a range of Vitality Lifestyle packages based on how much risk you want to take. The Pension Consolidator does not provide personal recommendations over which investment package to choose.
Risk is an important factor in any investment decision and what is key is striking the right balance between risk and reward as well as your time to retirement. You can take Vitality’s online Risk Attitude Profiling Questionnaire to make it easier to understand which package may be most suitable for you.
Here you can download the Key Investor Information for each Vitality Portfolio which contains information about volatility, risk and past performance as well as details over how they are invested to help you choose.
Case Study
Case Study
Peter is 45 years old. A year ago, he began thinking about his retirement and wanted to make sure his pension was on track to meet his future needs. He had multiple pension pots and decided he wanted just one simple plan that is easy to track and doesn’t cost the earth, but also one that is managed by experts who will invest it according to his financial personality and planned retirement age.
After seeing Vitality’s television adverts and reading their website, he felt confident that, as a large pensions and investments company in the UK with a strong track record, they would do a good job for him.
Peter used Vitality’s risk profiling questionnaire and was happy that his risk category of ‘High Medium’ and its detailed description matched how he believed he approached financial decisions.
He selected the Vitality Invest Risk Optimiser 5 (VIRO5) fund with a target retirement age of 60. After doing some research, Peter intends to move his investments to the lower risk VIRO4 fund at age 50 and again to the VIRO3 fund at age 55. By gradually reducing the investment risk as he approaches retirement, he will be securing his pension for the time he will need it.
One year down the line, Peter is happy that his pensions are all in one place, performing well and easily trackable vie the Pension Consolidator App. He has continued to make pension contributions to help meet the capital needed at his target retirement date and looks forwards to what’s ahead.
The Pension Consolidator is owned by the award winning “The Pension Drawdown Company” which is an independent Chartered Financial Planning firm established in 1999. It is authorised and regulated by the Financial Conduct Authority. This is a non-advised service therefore the information on this website should not be construed as individual advice to transfer your existing pension schemes.
Pensions are a capital at risk product. The value of your pension can go down as well as up and you may get back less than you put in. This document has been produced based on our understanding of current pension rules and pension tax treatment. These do change from time to time.