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A practical personal solution for financial well-being in retirement.

 

 

A practical personal solution for financial well-being in retirement.

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Today's cashflow solutions don't meet your clients' needs

For illustrative purposes only1

Tailored retirement incomes

Insight PersonalBond SMA offers investors a customized income, competitive yield, consistent cashflow, and flexibility to change or redeem whenever they want. The investment income from Personal Bond will be comprised of interest payments on the bonds held and a partial repayment of the principal investment in these bonds.

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Long-term income in retirement

Long-term income in retirement

You can plan with your client to deliver steady income cashflows from four to 25 years.

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Made-to-measure portfolios for your clients

Made-to-measure portfolios for your clients

You can create custom portfolios in a separately managed account which personalizes your client’s income to their requirements.

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Flexibility and control

Flexibility and control

Plans change and Personal Bond is a flexible solution. Should their circumstances or needs change, your client can adjust their income cashflows, make contributions, take withdrawals or sell part or all of their portfolio within seven days.

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The investment strategy is tried and tested

The investment strategy is tried and tested

Your client will own US Treasury bonds and high-quality US corporate bonds in a portfolio designed to provide stability and consistency of income. We invest prudently based on our long institutional track record, with a focus on quality and diversification.

Practical applications
Real-life outcomes
Starting with the end in mind. When you know your client's desired outcome, we can match and manage their portfolio to deliver it.
A simple four-step investment process
Our rigorous investment process explained

To get the hard work done for you and your clients we use our tried-and-tested processes developed for institutional investors, building on our global resources to deliver high-quality solutions for your client. Specifically, we employ 275 investment professionals, including 165 in fixed income and over 40 credit analysts.2

It’s time to change the way you plan your clients’ future
Your client needs to replace their earned income with an investment income. They need a predictable cashflow to meet their spending needs which will also continue to generate returns so their savings last longer

All we do is fixed income

  • We believe in the power of incremental gains to deliver consistency over the long term, recognising the very real impact of our decisions on the lives of investors.
  • We focus is on understanding the controllable risks in fixed income investing to achieve more predictable results.
  • We have a detailed, disciplined approach and common language on risk informing dynamic decision making all focussed on the outcome.

Reliability: our responsibility

  • Founded in 2002, we are a specialist investment manager dedicated to the retirement phase of investing.
  • We are the world’s largest liability-driven investment manager and a specialist in fixed income, including cashflow-driven investing.
  • Our heritage is providing sophisticated solutions for ‘defined benefit’ pension plans where we have helped deliver secure retirement incomes for millions of people.
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