[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-400657-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-400657-en":130},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","my-future-retirement-journey-multi-asset-pension-solution-overview","My Future - Retirement Journey Multi-Asset Pension Solution - Overview","","My Future is Aviva’s integrated global multi-asset retirement solution that guides scheme members through retirement planning and pension savings choices. It combines a universal strategy with Growth and Consolidation funds alongside options for drawdown, annuity purchase, and cash withdrawal, supported by BlackRock’s global multi-asset oversight and Aviva’s in-house governance. The approach incorporates long-term volatility targets and ESG considerations. 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Not for use with customers  \nWhat is My Future?  \n Aviva’s integrated global multi-asset solution that takes members through their journey to retirement.  \n Supported by Aviva’s ’tried and tested’ governance processes.  \n A solution designed with members, their retirement journey and their financial future in mind.  My Future gives our customers choice in terms of how they can take their pension savings.  \n My Future invests in the BlackRock World ESG Insights Equity Fund to enhance sustainable investment in the solution. Please see page 14 for more information.  \nWe strongly believe that every single worker in the UK should be able to access the best retirement they possibly can, and that’s why we’ve designed My Future, to help people do just that.  \n\n| The My Future solution includes the following features: |\n| --- |\n| • The My Future solution comprises a “universal” strategy made up of Growth and Consolidation funds, designed for those members who have yet to decide how they will use their pension savings.\u003Cbr>• The “universal” strategy sits alongside alternative options targeting drawdown, annuity purchase and cash withdrawal, which enables members to select the option that is best aligned with how they intend to use their pension savings in retirement. To support these options, the My Future solution comprises Drawdown, Annuity and Cash Lump Sum Funds.\u003Cbr>• The Growth, Consolidation, Drawdown and Cash Lump Sum Funds incorporate long-term volatility targets to ensure members’ savings are exposed to the most appropriate level of risk depending on how far or how close they might be to retirement, and how they intend to use their pension savings.\u003Cbr>• The multi-asset approach is overseen by global solutions provider BlackRock, with a focus on capturing the benefits of diversification.\u003Cbr>• My Future is underpinned by Aviva’s in-house governance process to ensure the solution, and the funds within the solution, remain suitable for members.\u003Cbr>• My Future takes environmental, social and governance (ESG) factors into consideration. |\n\nPlease remember that the value of investments can go down as well as up and scheme members could get back less than paid in. There’s no guarantee that any investment programme will benefit members’pension savings when they come to retire and we cannot guarantee it will be suitable for the member’s individual needs or appetite for risk.  \nThere is a glossary of terms at the end of this brochure.  \nMy Future  \nhelping members through their retirement journey  \nMy Future – the “universal” strategy  \nWe like to think of My Future as a journey, the aim of which is to equip members with the tools they need to help them access the best retirement that we believe everyone in the UK deserves.  \nAdmittedly, the path that investors must take to achieve this goal is not necessarily a smooth one given the many factors at play, such as economic growth and geopolitical tensions, and the ever-changing investment landscape. That’s why we believe managing risk should play an important role in the My Future journey.  \nMy Future aims to give members the opportunity to benefit from positive performance in the financial markets, while limiting the potential for losses due to setbacks in the markets, or declining purchasing power because of inflation. We try to achieve this by providing members with a diversified exposure to asset classes and to provide choice in terms of how members can take their pension savings.  \nThe My Future ‘universal strategy’ has been designed to enable customers to keep their options open and so take the time they might need to decide how to take their pension savings at retirement.  \nThe glidepath below shows how when members are 15 years away from their planned retirement date, the programme will gradually move members’ investments from My Future Growth into My Future Consolidation in preparation for retirement. These movements take pl","cbCaisMEyxU1NPJn","https://ap.wps.com/l/cbCaisMEyxU1NPJn","pdf",7123212,18,"English","# My Future\n## What is My Future?\n## Solution features\n## Investment risks and disclosures\n## My Future retirement journey\n## The “universal” strategy and glidepath\n## My Future Growth Fund","[{\"question\":\"What options does My Future provide for taking pension savings at retirement?\",\"answer\":\"My Future offers a “universal” strategy plus alternative options aligned to how members plan to use their pension savings, including drawdown, annuity purchase, and cash withdrawal through dedicated funds.\"},{\"question\":\"How does the glidepath work in My Future?\",\"answer\":\"When members are 15 years from their planned retirement date, the programme gradually moves investments from My Future Growth into My Future Consolidation, with quarterly transitions to shift focus toward capital preservation.\"},{\"question\":\"What is My Future Growth Fund designed to achieve?\",\"answer\":\"My Future Growth Fund is designed for capital growth, using an annualised long-term volatility target of 12%. It primarily invests in overseas equities while allocating around 20% to fixed income to support diversification and manage equity exposure.\"}]","My Future - Retirement Journey Multi-Asset Pension Solution - Overview | PDF",1790513011,45]