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Strategic Partners

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Vitality Invest

About us

Help your clients to live a longer, healthier, more financially secure life.

Our new approach to investments is founded on positive behavioural change that brings together saving and wellness. Through our unique discounts, boosters and healthy living rewards we incentivise people to save sooner, invest for longer, manage their income drawdown and look after their health. With VitalityInvest, your clients’ savings could last years longer.

We offer three different ways to invest A Retirement Plan, a Stocks and Shares ISA and a Junior ISA

In partnership with Investec Asset Management and Vanguard Asset Management – two of the world’s leading investment managers – we offer your clients Vitality funds for a range of risk profiles, objectives and investment styles. We also offer complementary funds from over 20 other leading fund managers.

In partnership with

Investec

Visit the website to find out more.

For investment professionals only. “Vanguard” is a trade mark of The Vanguard Group, Inc., and has been licensed for use by Vitality Life Limited.  VitalityInvest is a trading name of Vitality Corporate Services Limited. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority.

Product Details

Overview

  • Our Retirement Plan is a personal pension that allows your clients to save towards their retirement and access their savings flexibly when they retire.
  • Your client can stop, start, increase or decrease regular contributions, and pay in lump sums at any time.
  • We make it easy for your clients to consolidate other pension pots into their VitalityInvest Retirement Plan.
  • We pre-fund tax relief on any personal contributions.
  • When your client reaches retirement they can keep their money invested, take a tax-free lump sum when allocating all or part of their plan to flexi-access drawdown, or take cash lump sums (UFPLS).
  • In flexi-access drawdown, your client can take income through regular or ad-hoc withdrawals.
  • Your client can choose any day from 1 to 28 of the month to draw down regular income from their plan.
  • Your client can choose a different investment strategy for the part of the plan in accumulation and the part allocated to flexi-access drawdown.

This product may be suitable for individuals who are:

  • Looking to invest for their retirement.
  • At retirement age and would like to start taking lump sums or income from their pension pot.
  • Already in retirement and would like further flexibility from their options on their pension pot.

Overview

  • Our ISA is a flexible Stocks and Shares ISA.
  • Your client can take money out and add it back in the same tax year without affecting their annual ISA allowance.
  • Your client can stop, start, increase or decrease regular contributions, and pay in lump sums at any time.
  • We make it easy to transfer in existing ISAs.
  • Your client can take money out through ad-hoc or regular withdrawals.
  • Your client can choose any day from 1 to 28 of the month to take regular withdrawals from their plan.

This product may be suitable for individuals who are:

  • Looking to invest in a tax-efficient way, and would like to use a flexible Stocks and Shares ISA as this provides the potential for higher growth than a cash ISA or other deposit account (over the medium to long term).
  • Looking for flexibility on how they invest money into their plan, and how they take it out.

Overview

  • Our Junior ISA is a Stocks and Shares Junior ISA.
  • Your client can stop, start, increase or decrease regular contributions, and pay in lump sums into their child’s Junior ISA at any time.
  • We make it easy to transfer in existing Junior ISAs or Child Trust Funds.
  • When the child turns 18 we’ll convert the VitalityInvest Junior ISA into a VitalityInvest ISA.

This product may be suitable for parents and guardians with children who are:

  • Looking to invest in a tax-efficient way for their child, and would like to use a Stocks and Shares Junior ISA as this provides the potential for higher growth than a cash Junior ISA or other deposit account (over the medium to long term).

With VitalityInvest Boosters, Discounts and healthy living rewards, you can help your clients form good financial habits – such as saving earlier and for longer – as well as motivate them to live healthier lives. These incentives are a key Vitality difference, designed to help your clients reach their goals faster, give them more to enjoy, and help them live longer in good health.


Investment Booster

Our Investment Booster motivates clients to invest more of their money, earlier, and let it grow for longer.

How the Investment Booster works

When your client invests in our Vitality funds for five years, we’ll boost their investments with extra money – on top of any growth. If they stay invested in Vitality funds, we’ll boost them again every five years. If they invest more in Vitality funds in subsequent years, we’ll boost these investments too, once they’ve been invested for five years. So, after five years, with regular investments, your clients could receive a boost each year.


Healthy living discount

We believe financial security is even better when people have the good health to enjoy it. With our Healthy Living Discount, you can help your clients develop both good saving habits and a healthier lifestyle – and reward them for it.

How the Healthy Living Discount works

If your client holds a qualifying VitalityHealth or VitalityLife policy, they can take part in our healthy living programme. This encourages them to live a healthier life. By doing things like staying active and tracking what they do, going for a health check or buying healthy food, they earn Vitality points. The healthier their efforts, the more points they can earn towards improving their Vitality status – Bronze, Silver, Gold and ultimately Platinum. The higher their Vitality status, the more they save on product charges on any amount invested in Vitality funds. Achieve Platinum status, and they could pay £0.


Retirement Booster

The longer we live, the harder our savings need to work. The Retirement Booster is a way to help your clients achieve both better health and a bigger pension pot. It could boost your client’s Retirement Plan every year, on top of their returns, helping their savings last longer. The more they keep invested in retirement, and the more they look after their health, the bigger the boost could be. It could add up to 50% of the income they draw down each year. Terms and conditions apply.

How the Retirement Booster works

The Retirement Booster only applies to the part of your client’s Retirement Plan that is allocated to flexi-access drawdown. In addition, to be eligible for the Retirement Booster they’ll need to:

  • Join our healthy living programme – that means holding a qualifying VitalityHealth or VitalityLife policy, or adding Vitality Plus to their Retirement Plan for currently £3.80 a month
  • Take part in the programme, earn Vitality points and improve their Vitality status
  • Keep their pension plan invested in Vitality funds

Once a year, we’ll look at how much income they’ve taken from their plan, how much they’ve invested in Vitality funds, and their Vitality status. We’ll use this to work out their Retirement Booster.

In order to qualify for our Boosters and Discounts certain criteria applies:

Funds as diverse as your clients’ needs

An investment proposition is only as good as the funds behind it. That’s why we’ve partnered with two world leading investment managers – Investec and Vanguard – to build our range of Vitality funds. The range caters for a variety of client objectives, risk profiles and investment styles.

Whether your clients want to invest for five years or 25, whether they’re looking to maximise growth, consolidate pension pots, generate an income in retirement, or manage risk, our funds make it easy for you to help them. We also offer complementary funds from over 20 other leading fund managers.

We have two types of Vitality funds that allow your client to prioritise income or growth at different levels of risk:

Performer fund range

Made up of high-conviction funds, actively managed by Investec, and designed to outperform their benchmark, the range offers:

  • Seven growth-focused funds, including multi-asset risk profiled funds, and UK and global equity funds
  • Three income-focused funds, including multi-asset income, and UK and global equity income funds

Risk optimiser fund range

Five multi-asset risk-targeted funds, using Vanguard index-tracking funds to gain exposure to each asset class. Each fund is carefully designed, with a mix of assets that aims to optimise returns based on each fund’s level of investment risk.

Complementary third-party funds

The Vitality fund range meets the needs of most investors. But some of your clients may need more options, such as investing in specialist funds or spreading risk through diversification. That’s why we offer a range of over 250 complementary third-party funds from over 20 leading fund managers.

Achieving an outcome is easier when you remove unnecessary steps along the way. It’s why we make support more available, processes more efficient, and give you a range of tools to show how VitalityInvest can make a positive difference to your clients.

State-of-the-art Adviser Hub

We’ve designed our adviser hub around your needs from the ground up, without the constraints of legacy plans. So you can spend less time on client admin and more time looking after your clients’ needs.

Comprehensive range of calculators and tools

  • LiveWell Financial Planner
  • Retirement Modeller
  • Carry-Forward Calculator
  • Investment Booster calculator
  • Retirement Booster calculator
  • Funds tools
  • Risk Profiler
  • Morningstar Fund tools

Expert support every step of the way

As well as a comprehensive set of online tools and our personalised Adviser Hub to help you do business, we offer a range of dedicated support services:

  • 240 UK-wide Business Consultants offering you one-to one support face to face, via phone, or online
  • Investment Specialists will take you through the details of our funds and products
  • Technical expert support to answer your questions on legislation, tax rules, trusts and pension transfers
  • Service consultants can give you real-time updates on your new business and pension transfers, help you with servicing issues and be your first point of contact for Adviser Hub support
  • Marketing tools and sales aids can help you showcase our proposition to your clients. Go to our literature library to find out more.

Contact VitalityInvest

If you would like to know more about VitalityInvest visit our website, speak to your Business Consultant, or call us on 0800 096 4368*.

Marketing Support: Our literature and tools page makes it easy for you to access our comprehensive range of marketing materials which have been designed to help you in your discussions with clients.

*Lines are open Monday - Friday 9am - 5pm.