Strategic Guardian
Our dedicated drawdown solution, designed to dampen risk in falling markets, whilst maintaining exposure to potential capital growth in rising ones.
- The content of this page is only suitable regulated financial advisers.
- Past performance isn't an indicator of future returns and investors could get back less than they put in.
- This content of this page is intended as general information and shouldn't be viewed as a personal recommendation.
- There's also no guarantee that investment solution or funds will meet their objectives.
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 the total value of your client’s assets falls into a given band, they pay that charge 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 March 2024
| Custody | DFM Charge | Dealing* | OCF | Total |
|---|---|---|---|---|
| 0.30% | 0.24% | 0.05% | 0.61% | 1.20% |
*Assuming a 12% turnover rate - for guidance only, actual turnover may be more or less than this amount
