Jarvis Pension empowers you to take control of your retirement savings with a diverse range of funds designed to match your individual priorities and risk tolerance.
We understand that everyone's financial situation is unique, which is why we offer a variety of investment options, from conservative to adventurous, along with the flexibility to create your own personalised portfolio.
Understanding Your Risk Tolerance
Investing involves risk, and it's crucial to understand your own comfort level. The value of your investments can fluctuate, and past performance is not indicative of future results. Jarvis Pension offers tools and resources to help you assess your risk tolerance and choose the right investment strategy for you.
Our Portfolio Options
We offer pre-designed portfolios catering to different risk profiles:
Conservative Portfolio: This strategy prioritises capital preservation by investing in a globally diversified mix of equities, bonds, and alternative investments. It's designed for investors with a short to medium-term horizon (3+ years) and seeks to grow capital while generating some income. (Example Asset Allocation: Fixed Interest 50%, Equities 35%, Alternatives 7.5%, Cash 7.5%)
Moderate Portfolio: A balanced approach seeking growth through a combination of globally diversified equities, bonds, and alternatives. This portfolio is suitable for investors with a medium-term horizon (5+ years) and aims for a balance between growth and risk. (Example Asset Allocation: Fixed Interest 20%, Equities 65%, Alternatives 10%, Cash 5%)
Adventurous Portfolio: This strategy focuses on capital growth and higher returns by heavily investing in equities. It's best suited for investors with a medium to long-term horizon (5-7 years or more) and a higher tolerance for risk. (Example Asset Allocation: Fixed Interest 5%, Equities 87.5%, Alternatives 5%, Cash 2.5%)
Self-Select Funds
For those who prefer a more hands-on approach, Jarvis Pension offers a Self-Select option. You can build your own personalised portfolio from a curated list of funds across various asset classes, including:
Fixed Interest: Including UK and Global options, both standard and inflation-linked.
Equities: Covering major global markets (UK, US, EU, Japan, Emerging Markets) and thematic investments (e.g., Technology, AI, Healthcare, Energy Transition).
Alternatives: Including Commodities, Commercial Property, Infrastructure, and Absolute Return funds.
Cash: A cash fund for managing liquidity.
Our Investment Philosophy
Our investment selection process is built on key principles:
Transparency: We provide clear information about our fund selection process and criteria.
User Suitability: We aim to offer a range of funds suitable for different risk profiles.
Regular Reviews: We continuously monitor fund performance and make adjustments as needed.
Full Disclosure: We are transparent about all fees, costs, and potential conflicts of interest.
Investment Selection Process
We utilise our custodian, Seccl's, Non-Restrictive Active Assets list as a starting point. Our selection criteria include:
Cost: We prioritise low-cost options to maximise returns.
Fund Size: We favour larger funds to minimise liquidity risk.
Historical Performance: We evaluate performance against benchmarks and peer groups.
Investment Constraints: We primarily use funds (not ETFs or individual equities) for cost-effectiveness and platform compatibility.
Workplace Default Portfolios
Our default portfolios are benchmarked against established indices (MSCI PIMFA Conservative, Balanced, and Growth) to ensure appropriate risk alignment. We prioritise cost, liquidity (minimum £500m fund size), and historical performance (minimum 5 years of data) when selecting funds for these portfolios.
Ongoing Review
We regularly review fund performance and adjust asset allocation as needed to ensure optimal risk-adjusted returns.
How Do I Change My Investment Strategy?
You can change your investment strategy at any time directly from the Jarvis app:
From the hamburger menu, select Workplace Jar.
Scroll to the section labelled Investment Plan.
Select Change Investment Strategy.
From there, you can choose based on your risk appetite: a Simple Plan, a Model Portfolio, or even design your own portfolio.
Any changes you make will apply to future contributions and your existing pot. If you're unsure which option is right for you, we'd recommend speaking to a qualified financial adviser.
Contact Us
For any questions or further information, please contact us at [email protected].
Disclaimer: The value of investments and the income from them can go down as well as up, and you may not get back the amount of your original investment. Past performance is not a reliable indicator of future results. This information is for general guidance only and does not constitute financial advice. Please ensure you understand the risks involved before making any investment decisions.