PIM Strategic Guardian
Our dedicated drawdown solution, designed to dampen risk in falling markets, whilst maintaining exposure to potential capital grown in rising ones.
Designed for drawdown
Drawdown is very different to accumulation and demands a different approach to investing. A market downturn can have a lasting effect on your client’s retirement plans. Add the fact that longevity is often underestimated by up to 10 years1, and the survivability of their retirement pot could be under serious pressure. That’s where Guardian comes into its own.
1MGM Advantage (2014) Retirement Nation. [Online] Available from: mgmadvantage.co.uk/retirement-nation [Accessed: 05 November 2020]
Aims to support sustainable withdrawals
It does this by dampening risk in falling markets whilst maintaining exposure to potential capital growth in rising ones.
Total return approach
Meaning an unconstrained asset allocation versus traditional income solutions.
Progressive asset weightings
Asset weightings progressively change across 16 asset classes, so you can taper risk through your client’s retirement journey.
Available in 10 Risk Grades
10 risk grades allow you to make sure the portfolio mandate lines up with your clients’ attitudes to risk.
Defaqto 5 Diamond rated
Defaqto 5 Diamond rated for an independent assessment of excellent value and risk adjusted returns.
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Costs and charges
Our Guardian charges are simple and transparent. For our custody fee, when your client’s money falls into a given band, they pay that fee for all their money, not just the proportion in that band.
| Type | Charge |
|---|---|
| DFM charge | 0.24% |
| Dealing charge (for fund switches and rebalance purchases) | 0.45% (≈0.05% p.a.)* |
| Parmenion SIPP charge | £18+VAT per quarter |
*Assumes a 12% turnover rate - for guidance only, actual turnover may be more or less than this amount
| Custody band† | Charge |
|---|---|
| £0 - £299,999.99 | 0.30% |
| £300,000.00 - £599,999.99 | 0.25% |
| £600,000.00 - £1,499,999.99 | 0.20% |
| £1,500,000.00 + | 0.15% |
†A minimum monthly custody charge of £5 per client applies. Cliff edge structure.
Here’s what your client might pay
For a £100,000 non-SIPP portfolio in Risk Grade 5, and an OCF as of the 31st December 2021
| Custody | DFM Charge | Dealing* | OCF | Total |
|---|---|---|---|---|
| 0.30% | 0.24% | 0.05% | 0.57% | 1.16% |
*Assuming a 12% turnover rate - for guidance only, actual turnover may be more or less than this amount
Solution resources
Find the latest updates, resources and reports for this solution right here.
Model factsheets
Our model factsheets are updated quarterly and provide a detailed breakdown of the solution's performance, asset allocation, underlying holdings and more.
If you’d like to chat to us about our Guardian solution or our wider proposition, please get in touch