Investment

Investment – the driving force behind a comfortable retirement

The NOW: Pensions investment solution has been developed over a number of years. During the growth phase, contributions are invested in the Diversified Growth Fund which actively adopts a risk managed approach.  As retirement approaches, funds are gradually switched towards the Retirement Countdown Fund which is designed to reduce the overall risk exposure.

“The team think deeply about portfolio construction and risk factor correlations. Particular attention is paid to volatility and stress scenarios where they use expected shortfall to measure risk. The strategy extensively utilises the ATP risk infrastructure.” – Redington 2017

Clear objective – We aim to provide an investment solution that represents good value and secures good outcomes for members over the long term. We aim to achieve this by seeking to optimise returns relative to the risk taken.

Straightforward strategy – We work on the principle that over the long term, diversification of assets provides higher risk adjusted returns.  This approach provides an effective form of protection because in normal markets, assets with different return characteristics behave in different ways.

Simple choice – Members are not asked to make any investment decisions. Instead, the NOW: Pensions Trustee Board shoulders responsibility for the investment strategy.  We believe that this approach is beneficial to the long term wellbeing of our members who appreciate the reassurance of knowing that someone else is managing their investments and taking responsibility for their long term savings needs.

Investment strategy document – For an overview of our approach to investment, please click here

Diversified Growth Fund – For a detailed explanation of how we manage the Diversified Growth Fund, please click here.

Statement of Investment Principles – For the investment principles, beliefs and policies of the Trustee, please click here.

Investor Protection – For an understanding of how we keep our members’ money safe, please click here

Social Responsibility in Investments – For the SRI principles and policies adopted by the Trustee, please click here.

Latest unit prices – For the latest unit prices of our funds, as well as historical prices, please click here.

Tax Statement – For NOW: Pensions’ tax statement, please click here.

 

Latest quarterly fund fact sheets

FactSheet-DGF-2018-screengrab 2

Quarter 1 DGF 2018    

RCF

Quarter 4 RCF 2017 

 

I've known ATP for many years and have enormous respect for the effectiveness of their investment strategy. I'm convinced that NOW: Pensions can become a major player in the UK and look forward to being a part of that success. — Chris Daykin, the former Government Actuary
I am backing NOW: Pensions, the ATP project, because I believe it will encourage transparency, low costs and decent returns for millions of British employees. — Nigel Waterson, former Shadow Pensions Minister
NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions. — Martin Woods, SALT.agency
Our broker recommended NOW: Pensions, as they believed it would be our best option. We have not been disappointed, the NOW: Pensions customer support teams are great and always available. — Bromborough Paint & Building Supplies Ltd
NOW: Pensions was attractive to us because the staff were very helpful and they sent over all the information required. This made the decision easy. — Metro Surveillance Group Ltd