While shareholders have enjoyed bumper returns in recent years, especially in the US, equity prices are sensitive to the global political situation and a significant share of stock market growth in recent years has come from a narrow range of stocks, potentially leaving retired investors exposed if sentiment were to change.
Pension freedoms allow clients the flexibility to be able to take a holiday, or fix the roof, while maintaining a reasonable standard of living and knowing their retirement income is secure and keeping pace with inflation. Whether this is taking their tax free lump sum as cash and then drawing down the rest, investing their pension in a diversified portfolio, or even buying an annuity to provide a certain level of guaranteed income. The options to create the right solution for a client’s bespoke retirement are available at their fingertips, providing they first understand the importance of advice and the need to manage investment risk in retirement. By articulating these challenges and helping clients balance the need for income, flexibility and capital preservation, advisers can guard clients against making decisions that could undo all their hard work in saving for a prosperous retirement.
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Past performance is not a guide to future performance and may not be repeated. Investment involves risk. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rates may cause the value of overseas investments to rise or fall.
This communication is issued by Quilter Investors Limited (“Quilter Investors”), Millennium Bridge House, 2 Lambeth Hill, London, England, EC4V 4AJ. Quilter Investors is authorised and regulated by the Financial Conduct Authority in the United Kingdom but is not licenced or regulated by the Monetary Authority of Singapore (“MAS”).
This communication provides information relating to certain funds known as Quilter Investors Generation CPI+3 Portfolio, Quilter Investors Generation CPI+ 4 Portfolio and Quilter Investors Generation CPI+ 5 Portfolio (the “Funds”), which are sub-funds of Quilter Investors Multi-Asset OEIC.
Quilter Investors uses all reasonable skill and care in compiling the information in this communication which is accurate only on the date of this communication. You should not rely upon the information in this communication in making investment decisions. Nothing in this communication constitutes advice or personal recommendation.
The Funds invests principally in other collective investment schemes. Your attention is drawn to the stated investment policy which is set out in the Funds’ prospectus.
Quilter Investors Multi-Asset OEIC is authorised by the Financial Conduct Authority as a non-UCITS retail scheme and can be distributed to the public in the United Kingdom. An investor should read the Key Investor Information Document(s) (“KIID”) before investing in any sub-fund of the Quilter Investors Multi-Asset OEIC. The KIID and the prospectus can be obtained from www.quilterinvestors.com in English.
The Funds are only notified as restricted schemes by MAS and are not allowed to be offered to the Singapore retail public. This marketing document shall be construed as part of an information memorandum for the purposes of section 305(5) of the Securities and Futures Act, Cap. 289 of Singapore (the "SFA"). Accordingly, this marketing document must not be relied upon or construed on its own without reference to the information memorandum. This marketing document is not a prospectus as defined in the SFA and accordingly, statutory liability under the SFA in relation to the content of prospectuses would not apply.
This document has not been registered as a prospectus by the MAS, and the offer of the shares is made pursuant to the exemptions under Sections 304 and 305 of the SFA. Accordingly, the shares may not be offered or sold, nor may the shares be the subject of an invitation for subscription or purchase, nor may this marketing document or any other document or material in connection with the offer or sale, or invitation for subscription or purchase of the shares be circulated or distributed, whether directly or indirectly, to any person in Singapore other than under exemptions provided in the SFA for offers made (a) to an institutional investor (as defined in Section 4A of the SFA) pursuant to Section 304 of the SFA, (b) to a relevant person (as defined in Section 305(5) of the SFA), or any person pursuant to an offer referred to in Section 305(2) of the SFA, and in accordance with the conditions specified in Section 305 of the SFA or (c) otherwise pursuant to, and in accordance with, the conditions of any other applicable provision of the SFA.
Where the shares are acquired by persons who are relevant persons specified in Section 305A of the SFA, namely:
(a) A corporation (which is not an accredited investor (as defined in Section 4A of the SFA) the sole business of which is to hold investments and the entire share capital of which is owned by one or more individuals, each of whom is an accredited investor; or
(b) A trust (where the trustee is not an accredited investor) whose sole purpose is to hold investments and each beneficiary of the trust is an individual who is an accredited investor, the shares, debentures and units of shares and debentures of that corporation or the beneficiaries’ rights and interest (howsoever described) in that trust shall not be transferred within 6 months after that corporation or that trust has acquired the shares pursuant to an offer made under Section 305 of the SFA except:
(1) to an institutional investor or to a relevant person as defined in Section 305(5) of the SFA, or which arises from an offer referred to in Section 275(1A) of the SFA (in the case of that corporation) or Section 305A(3)(i)(B) of the SFA (in the case of that trust);
(2) Where no consideration is or will be given for the transfer;
(3) Where the transfer is by operation of law;
(4) As specified in Section 305A(5) of the SFA; or
(5) As specified in Regulation 36 of the Securities and Futures (Offers of Investments) (Collective Investment Schemes) Regulations 2005 of Singapore.