Active Equity funds

Active equity’s Real Income Builder (RIB) and Real Capital Builder (RCB) are both designed to help DC members invest for their journey to and through retirement. Both have a focus on investments in equities, but aim to reduce volatility by investing in complimentary fixed income holdings. Both of the funds also aim to address the effects of inflation on members retirement savings.

Real Income Builder

Real Income Builder (RIB) aims to grow income by 4% above inflation (UK CPI) per annum over rolling three-year periods and to provide a similar total return over longer periods. In addition, the strategy aims to provide equity-like returns but with two-thirds of equity market volatility in a downturn.

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Real Capital Builder

Real Capital Builder (RCB) is similar to the RIB strategy but its focus is only on total return.

RCB aims to generate a total return of 4% above inflation (UK CPI) per annum over rolling five-year periods. In addition, the strategy aims to provide equity-like returns but with two-thirds of equity market volatility in a downturn.

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Risks

The value of any investment and any income taken from it is not guaranteed and can go down as well as up, and investors may get back less than the amount originally invested.