Investment Management for Workplace Pensions

The fund’s investment structure is that of a “fund of funds” portfolio which seeks to provide investors with a diversified investment portfolio consisting of UCITS compliant funds or “collectives” from across the global investment universe. Collectives invested in within the fund can include unit trusts, mutual funds and exchange traded funds (ETFs) whose managers aim to outperform their respective markets. Asset classes you could find in this portfolio are equities, government bonds, corporate bonds, multi-asset, alternatives, and cash.

Clients can select a fund that most closely reflects their investment return objectives and attitude to risk. We offer three risk-graded fund options, ranging from lower risk bond-based returns, to higher risk equity-based returns.

The diagram is for illustrative purposes only. The value of investments, and the income from them, may go down as well as up and may fall below the amount initially invested. Weightings may deviate from these levels at the Investment Team's discretion whilst staying within specific guidelines, so the above asset allocation is intended as a guide only.

Cautious
This fund seeks to generate modest capital growth over the short to medium term (3 to 5 years or more) by employing a more cautious investment strategy. The fund will typically comprise 30% equity and 70% non-equity - though weightings may deviate within set parameters, allowing our managers to react to market conditions.

Balanced
This fund seeks to generate capital growth over the medium term (5 years or more), with the aim of riding out short-term fluctuations in value. The fund will typically comprise 50% equity and 50% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

Growth
This fund seeks to generate higher capital growth over the medium to long term (5 to 7 years or more) by employing a more dynamic investment strategy. The fund will typically comprise 70% equity and 30% non-equity - though weightings may deviate within set parameters, allowing managers to react to market conditions.

Five Year Workplace Pension Fund Performance

Source: TAM Asset Management Ltd. Five year fund performance from 1 April 2019 to 31 March 2024. Past performance is not necessarily a guide to future returns. The value of investments, and the income from them, may go down as well as up and may fall below the amount initially invested.

The best way to build wealth is not to lose it in the first place. Producing reliable annual performance and then compounding through reinvestment provides stronger and more consistent growth for your nest egg. For example, if you make 5% per year and re-invest, then after 9 years your portfolio is over 50% larger and in 15 years it has doubled.

MANAGING RISK LEVELS IN THE PORTFOLIOS
Portfolios are meticulously built and managed to ensure they remain aligned with TAM’s views on possible market changes and the economic outlook. Each individual fund is selected by TAM in context of the choice of portfolio you make during the initial account opening process.

DIVERSIFYING TO PROTECT YOUR NEST EGG
The funds in each portfolio are diversified by geography, sector, asset class, fund manager, currency and investment strategy. Each fund in a portfolio will invest in numerous assets such as individual company stocks or bonds. The aim is always to blend together investments that do not all do the same thing at the same time especially during periods of market stress

PUTTING INVESTMENT TALENT TO WORK
TAM Workplace Pensions’s chosen investment manager TAM has 100% independence to select funds from any provider that meet their research and due-diligence criteria. TAM’s award-winning experience enables you to access a blend of some of the best investment talent from a cost of only a few pounds a month.