My Future Lifestyle Strategies make retirement investing simple. Clients choose their retirement date and how they intend to take their retirement benefits, and My Future automatically manages their investment journey.
Why Choose My Future?
Automatically managed No need for clients to select, monitor or switch funds.
Built around retirement goals Investments align with a client's selected retirement date and how they intend to take their retirement benefits.
Gradual risk reduction Investment risk is reduced automatically as retirement approaches.
Flexible when circumstances change Retirement dates and retirement options can be updated as client needs evolve.
Competitive pricing Available at 0.1% lower change that our standard annual fund charge1.
How does it work?
My Future automatically manages pension savings through three stages, helping ensure investments remain aligned with a client's retirement journey:
Growth: focused on long-term growth when retirement is more than 15 years away.
Consolidation: gradually reducing investment risk between 15 and 5 years before retirement.
Pre-Retirement: aligning investments with the client's chosen retirement option during the final five years before retirement.
The My Future glide path automatically adjusts investments throughout the retirement journey, helping keep clients on track as retirement approaches.
What are the retirement outcomes?
In the final five years before retirement, investments are automatically aligned with the client's chosen retirement option.
Option
Suitable for clients who want to
My Future ARF
Remain invested after retirement
My Future Annuity
Secure a guaranteed income for life
My Future Cash
Prioritise certainty around retirement cash benefits
Can a client change their retirement date?Show moreShow less
Yes. The retirement date can be updated if circumstances change.
Can a client change their retirement option?Show moreShow less
Yes. Clients can switch between ARF, Annuity and Cash options up to five years before retirement.
Can clients use a combination of retirement options?Show moreShow less
Yes. A combination of retirement options can be selected.
Do clients need to make investment decisions?Show moreShow less
No. Once selected, the strategy automatically manages the investment journey.
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Transcript for video Aviva 1 Minute Pitch - My Future ESG Lifestyle StrategiesShow moreShow less
To follow
Warnings
Warning: Past performance is not a reliable guide to future performance. Warning: The value of your investment may go down as well as up. Warning: The income you earn from this investment may go down as well as up. Warning: If you invest in these funds you may lose some or all of the money you invest. Warning: These funds may be affected by changes in currency exchange rates. Warning: If you invest in a pension, you will not have access to your money until you retire.
1. This Fund Charge is made up of:
- a fund management charge which is deducted daily from the unit price of the fund(s); and
- a plan management charge which is taken monthly by deduction of units from the value of your fund(s). If you are invested in more than one fund, this charge will be taken proportionately across the range of funds in which the policy is invested.
The Fund Charge applying to your client’s fund(s) will be shown on their policy schedule. Where a fund invests in another fund(s), additional charges may apply. These charges may vary depending on the specific investments in each fund. Where these charges are applied, they are reflected in the unit price. As a result, the overall charge may be higher than shown in the product documentation.
Aviva Life & Pensions Ireland Designated Activity Company, is a private company limited by shares, registered in Ireland No. 165970. Registered office at Building 12, Cherrywood Business Park, Loughlinstown, Co. Dublin, D18 W2P5. Tel (01) 898 7950, www.aviva.ie
Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland.
