Coping with market volatility

Last year, we increased the availability of the Standard Life Sterling Fund from 50% to 100% and now we’re giving clients another alternative. Clients who prefer to ‘dip their toe in the water’ before putting their full investment upfront in higher risk funds can now choose our Phased Investment option.

The Phased Investment option means investing 100% in the Standard Life Sterling Fund upfront and over a year, the money can be gradually phased into the wider market. The main benefit with this option is that clients can potentially take advantage of falling prices and buy more units at a lower cost. This also reduces the risk of clients losing money by not investing the full amount in more volatile funds all at once.

The obvious risk with this however is that no-one can accurately predict when prices will fall and when they will rise so if prices do rise then buying upfront may be a better option. This allows clients to take advantage of the rising value.

In volatile markets, the Phased Investment option could be a good option for clients concerned about a potential drop in the markets.

To learn more about how this option works, and for specific examples of the potential benefits and risks, see the sales aid opposite.

No guarantees are given regarding the effectiveness of any arrangements entered into on the basis of this information.

Note: the phased investment option is not yet available for online new business.