Royal London Governed Portfolio Funds

Hal17

I am trying to get to grips with the various Royal London Governed Portfolio Funds. I am currently invested in their GP5 fund. I am 69 and am not expecting to draw against this pension to supplement income. In my head I am sort of thinking this will be for Inheritance / Care Fees, but of course things could change.

I am becoming more cautious as I get older and certainly do not want to take too many risks with this pension pot. I am considering moving from GP5 to GP2 which reduces equities from 62% to 45%. 

They also do a GRIP range (Governed Retirement Income Portfolio), I am not sure if I should look at these as I'm not taking an income, but they do have a different mix of funds with a lower equity percentage than my current plan.

I would appreciate any thoughts if anyone has an understanding of the various Royal London Governed range.



 

JSL_2

Hal17 said:

I am trying to get to grips with the various Royal London Governed Portfolio Funds. I am currently invested in their GP5 fund. I am 69 and am not expecting to draw against this pension to supplement income. In my head I am sort of thinking this will be for Inheritance / Care Fees, but of course things could change.

I am becoming more cautious as I get older and certainly do not want to take too many risks with this pension pot. I am considering moving from GP5 to GP2 which reduces equities from 62% to 45%. 

They also do a GRIP range (Governed Retirement Income Portfolio), I am not sure if I should look at these as I'm not taking an income, but they do have a different mix of funds with a lower equity percentage than my current plan.

I would appreciate any thoughts if anyone has an understanding of the various Royal London Governed range.



 

I am with Royal London Governed Portfolio 2 , since 2018, which is showing annualised return of 3% over the past 5 years , Through Covid, Ukraine/Russia Conflict and Cost of Living Crisis.  If that is any help to you.