Decumulation portfolios
A smoother retirement journey for your clients
Recognising the unique challenges that advisers face to support clients in drawdown, our four MPS decumulation investment strategies are specifically designed to prioritise capital preservation and minimise the risk of eroding capital values in falling markets whilst your client takes a fixed regular income.
Our risk targeted decumulation strategies are actively managed and constructed using a blend of active and passive investments. This includes an important strategic allocation to alternative investment funds, which provide downside protection, dampen volatility during turbulent markets and produce a return profile that is uncorrelated to traditional asset classes.
Each strategy is managed to an independently defined Value at Risk (‘VaR’) banding, providing greater clarity over anticipated drawdowns and therefore empowering you as the trusted adviser, to help better manage your client’s expectations.
The strategies are assessed monthly and where appropriate rebalanced to mitigate portfolio drift and maintain adherence to the designated VaR bandings. A risk targeted structure offers a simplified ongoing investment suitability process for you, whilst providing peace of mind for your clients worried about taking undue risk and seeking a smoother financial journey in retirement.
The Risk Targeted Decumulation (‘RTD’) investment strategies can be held in a wide range of investment structures and wrappers and are available on the Bordier UK platform and via most third-party platforms.
A differentiated approach
Jamie Berry, Executive Chairman, outlines what sets Bordier UK apart in the world of decumulation.
