Who operates the portfolios?

The portfolios are designed and operated by HUB Financial Solutions Ltd which is part of Just Group – a specialist in the retirement market. HUB Financial Solutions Limited (FRN 455713) is authorised and regulated by the Financial Conduct Authority. HUB Financial Solutions has arranged for SS&C Hubwise Securities Limited to provide and operate the investment platform. This is where your savings will be held. Hubwise are experts in their field and pride themselves on innovation, effective operations, custody and safeguarding of assets.

Who manages the funds within the portfolios?

Each fund is managed by an established and reputable fund management company. For details of the funds within each portfolio, please refer to the relevant portfolio factsheet below. On page 2 of each factsheet, you'll find links to the relevant Key Information Document for each fund. Cautious Portfolio factsheet Balanced Portfolio factsheet Growth Portfolio factsheet Adventurous Portfolio factsheet Money Market Portfolio factsheet Fixed Interest Portfolio factsheet

How long should I keep my money invested?

Our investment portfolios are designed to be medium to long-term investments. Preferably more than five years. There can be ups and downs in any market. But the longer you’re invested, the more chance your money has to grow again. You can't always withdraw money quickly, or the time might not be right. So ensuring you hold enough cash outside of your investments to see you through emergencies is an important consideration before you invest. Also, with a pension you can’t withdraw your money until you’re age 55 (going up to age 57 in 2028).

How much should I invest?

The maximum you're allowed to invest depends on the product you're investing in. You’ll find more information on these limits within each product page. Before you invest any money it’s a good idea to check your workplace arrangements (such as company pension), clear outstanding debts (particularly high interest and unsecured debt), and to make sure you’ve got enough money to cover day-to-day living costs and in case of emergencies. If you’re in any doubt as to how much you should invest, you can arrange a consultation with one of our regulated financial advisers.

Can I move my money to a different portfolio?

Yes you can. We recommend you review your investment portfolio at least once a year to make sure it’s still appropriate for your needs. For example, if you choose the Adventurous Portfolio when you first apply but later decide that the Balanced Portfolio is better suited to your needs, you can arrange a switch - just give us a call. The switch instruction will be processed the next working day, though it can take several more days for the asset mix to realign to the investment portfolio you have selected. There is no charge for switching. It's important to bear in mind that the investment portfolios are designed to support your investment objectives over the medium to long term (five years or more). They’re not designed for tactical, short-term reasons. You can invest in one portfolio per product, so you can’t put £10,000 into the Balanced Portfolio and £10,000 into the Adventurous Portfolio in the same Stocks & Shares ISA. But you can choose a different portfolio for your SIPP and/or GIA, if you have one. You can make the decision to change your investment strategy yourself. But if you’re unsure what to do, we offer financial advice. Our regulated financial advisers will make a recommendation based on your individual needs. If you don’t want to take financial advice, our Savings Specialists can explain your options, but they can’t tell you what approach is best for you.

Investment portfolios - Just Destination Retirement

Invest to meet your retirement goals

Suitable for different types of saving

Select a portfolio for your Stocks & Shares ISA, SIPP, Pension Drawdown and General Investment Account.

Manage market ups and downs

Each portfolio contains a mix of funds that invest across a diversified range of assets such as cash, bonds and equities.

For most types of investor

Choose a portfolio that best meets your needs and feelings towards potential fluctuations in the value of your investment.

Ready-made investment portfolios

You have a range of options, designed by experts, to suit your attitude to market ups and downs.

Click on the links to the factsheets for details of objectives, approach, past performance and what each of the portfolios invests in.

Cautious Portfolio

Aims for modest growth, with a lower level of volatility. Could be right if you want to limit ups and downs, rather than making large gains.

Balanced Portfolio

Aims for moderate growth and medium level of volatility. Could be right if you want to grow your money and manage potential ups and downs.

Growth Portfolio

Aims for above average growth, with medium to high level of volatility. Could be right if you want potential for stronger investment growth over the long term.

Adventurous Portfolio

Aims for higher growth, with the likelihood of higher volatility. Could be right if you want the potential for strong investment growth over the long term.

Additional investment portfolios for Pension Drawdown

If you're withdrawing money from your pension savings, you can also choose the Money Market or Fixed Interest Portfolio.

Money Market Portfolio

Aims for low to modest growth as it’s more focused on capital preservation whilst delivering it’s return with low volatility. It's designed to help you earn a steady return while keeping your money safe and easy to access.

Fixed Interest Portfolio

Aims for low to moderate growth, with a medium level of volatility. The portfolio’s assets are negatively correlated to annuity rates, which protects your purchasing power if you plan to buy an annuity in the future.

Learn more about our ready-made investment portfolios

An investment portfolio holds a mix of funds that are designed to achieve a targeted level of investment risk. The mix of funds helps to diversify your investment across different asset types, sectors and countries. (see ‘What do you mean by diversification?’)

Each investment portfolio aims to achieve a targeted level of investment risk. The level of risk you take will depend on your appetite for potential ups and downs in the value of your investment. The more ‘risk’ you take, the larger these fluctuations might be. There are no investment guarantees and you may get back less than you invested.

Each portfolio has a mix of funds that meet an agreed 'target asset mix'. They invest across different asset types, sectors and countries. Over time, each fund held within the investment portfolio will rise or fall in value based on the performance of the underlying investments it holds. This means the mix of funds in your portfolio will start to differ slightly from the target fund mix.

To ensure this difference doesn’t become significant, your portfolio will be ‘rebalanced’ every three months. This helps it achieve the investment objective and stay within the defined level of risk. You’ll be able to see which funds have been bought and sold by going into your online account a few days after the rebalance has taken place. You may not see buying or selling on all your funds. This is because the rebalance will only arrange deals where at least a £10 holding in the fund is being bought or sold.

No, you must choose one of our ready-made investment portfolios. These are designed to meet the objectives outlined in the factsheet for each portfolio. There's no need for you to choose individual funds or monitor their performance.

The value of your investment and any income received from it can fall as well as rise. This means you may get back less than you invested.

When choosing how to invest your money, you’ll need to decide how much risk you’re prepared to take in order to reach your investment goals. It’s important to find the right balance between potential risk and potential reward, so think carefully about the impact losing money will have on you.

The more investment risk you take, the higher the potential returns, but also the more likely you are to get back less than you invested. Different types of investment have different levels of risk. For example, equities are considered more ‘risky’ than bonds or cash because they generally experience bigger fluctuations in their value. Each of our portfolios targets a certain level of risk and the funds are chosen to provide the right balance of potential reward versus potential fluctuation in value.

More information on investment risk

Diversification is based on the old proverb, ‘don’t put all your eggs in one basket’. It’s about spreading your money across different assets to reduce the probability and impact of losing money. That’s because as the value of one asset goes up, another can go down.

A diversified portfolio might invest across different:

- asset types such as bonds and company shares
- sectors such as manufacturing, technology or financial services
- regions, such as Europe, North America or Asia.

What would you like to do next?

Which portfolio is right for me?

If you're not sure which portfolio best suits your needs, please speak to one of our Savings Specialists.

Contact us

How do I invest with you?

You need to be introduced to us by a referral partner. To find out more speak to one of our Savings Specialists.

Contact us

Important information

Remember that the value of your investment can go down as well as up and you could get back less than you invest. The information on this website should not be taken as a recommendation, advice or forecast. However, we do offer regulated financial advice if you're unsure about investing. Ask our Savings Specialists for more information about this service.

The tax you pay will depend on your personal tax position, and tax rules are subject to change by the UK Government. This is not tax advice. If you need more information, please speak to a tax adviser or an accountant.

Important things to consider when investing

Who provides our investment services?

Investment options