Investment choice
There’s a wide range of investments available through 5 for Life. From eight ‘ready-made’ portfolios, to our Create range where you can construct a portfolio using funds from some of the leading fund managers in the business.
Core portfolios
Aimed at investors who prefer a straightforward and cost-effective investment approach, the portfolios are constructed by mixing the UK Fixed Interest Fund, managed by AEGON Asset Management and the UK Index Tracker Fund, managed by BlackRock Merrill Lynch.
Please remember the value of investments may go down as well as up.
The client can invest in more than one Core portfolio at the same time.
Portfolio name |
Total Annual Management Charge |
|---|---|
40/60 Core portfolio
|
0.75% |
50/50 Core portfolio
|
0.75% |
60/40 Core portfolio
|
0.75% |
70/30 Core portfolio
|
0.75% |
Multi-manager portfolios
A new and attractive addition to our 5 for Life investment line-up are portfolios mixed using the UK Fixed Interest fund and a global equity model made up from funds from our Create range. On our behalf, Morningstar Associates Europe Ltd, the investment consulting arm of Morningstar, has put together the global equity model for these portfolios.
Fund name |
Total Annual Management Charge |
|---|---|
40/60 Multi-manager portfolio
|
1.40% |
50/50 Multi-manager portfolio
|
1.40% |
60/40 Multi-manager portfolio
|
1.40% |
70/30 Multi-manager portfolio
|
1.40% |
Click here to see the latest individual funds Morningstar have selected
Create range
There are three categories of funds in the range, with each one having its own investment limit set. The categories and limits set are:
- Category A funds – a minimum of 40% up to a maximum of 100% of the total investment
- Category B funds – a maximum of 60% of the total investment (less any investment in the Category C investment funds)
- Category C funds – a maximum of 15% of the total investment
Category A funds
Fund name |
Total AMC |
|---|---|
AEGON Enhanced Corporate Bond |
1.15% |
AEGON Ethical Corporate Bond |
1.55% |
Short Term Bond |
1.00% |
UK Corporate Bond |
1.00% |
UK Fixed Interest Fund |
1.00% |
UK Government Bond |
1.00% |
UK Cash |
1.00% |
Category B funds
Fund name |
Total AMC |
|---|---|
AEGON UK Opportunities |
1.65% |
Artemis Capital |
1.85% |
Artemis Income |
1.70% |
Baillie Gifford Stockmarket Managed |
1.35% |
Black Rock UK |
1.85% |
Black Rock US Dynamic |
1.85% |
Fidelity European |
2.25% |
Fidelity South East Asia |
2.30% |
Gartmore US Opportunities |
1.90% |
Invesco Perpetual Asia |
1.95% |
Invesco Perpetual Stockmarket Managed |
1.30% |
JPMorgan Euro Dynamic (ex-UK) |
1.95% |
JPMorgan Japan |
1.95% |
JPMorgan Premier Equity |
1.95% |
JPMorgan US |
1.95% |
Lazard European Smaller Companies |
1.45% |
Lazard Stockmarket Managed |
1.35% |
Lazard UK Alpha |
1.65% |
Newton Global Higher Income |
1.60% |
Newton Higher Income |
1.40% |
Newton Stockmarket Managed |
1.40% |
Schroder Income |
1.95% |
Schroder Tokyo |
1.95% |
Schroder UK Alpha Plus |
1.95% |
SG Stockmarket Managed |
1.35% |
UBS Global Emerging Markets Equity |
1.45% |
UBS Stockmarket Managed |
1.30% |
UBS US Equity |
1.45% |
UK Index Tracker |
1.00% |
Category C funds
Fund name |
Total AMC |
|---|---|
AEGON UK Smaller Companies |
1.70% |
Artemis UK Special Situations |
1.80% |
Baillie Gifford High Yield |
1.55% |
Baillie Gifford International |
1.40% |
Black Rock Gold & General |
1.95% |
Black Rock UK Smaller Companies |
1.85% |
Black Rock UK Special Situations |
1.85% |
First State Asia Pacific Leaders |
1.95% |
Insight Diversified Target Return |
1.85% |
Invesco Perpetual Income |
1.95% |
JPMorgan Natural Resources |
1.95% |
Property |
1.70% |
Schroder Global Property Securities |
2.05% |
Schroder UK Mid 250 |
2.00% |
Schroder UK Smaller Companies |
1.95% |
| UBS Target Return | 1.70% |
