What are the L&G Lifetime Advantage Funds?

Our L&G Lifetime Advantage Funds (LAF) are an innovative retirement solution designed as a default option with the specific purpose of improving member outcomes.  

This ‘to and through’ Target Date Fund range allows members extended access to a diverse selection of growth assets, including a range of private market assets.

How the Lifetime Advantage Funds might benefit scheme members

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Aiming for better outcomes

The range aims to deliver strong levels of growth from a diversified range of equity and private market investments over an extended time frame.

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Meeting the changing needs of members

We have unique insights into member needs which we continually monitor. By doing this we can create a ‘to and through’ retirement solution that adapts to members’ changing needs up to and beyond retirement.

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Aiming for real world impact

We aim to invest members' money responsibly, focusing on engagement, exclusion and enhancements to deliver returns and make a positive difference to the world.

What’s under the bonnet?

The fund provides access to a wider range of opportunities through investments that are not typically accessible through public markets. We do this by allocating c.15% of the portfolio to private markets via the new L&G Private Markets Access Fund.



Source: LGIM, as at June 2024. 

Whilst LGIM can integrate Environmental, Social, and Governance (ESG) considerations into its investment decision-making for part of the fund, and stewardship practices, this does not guarantee the achievement of responsible investing goals within the portfolio.

L&G Lifetime Advantage Fund Product Profile

Key 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. Past performance is not a guide to the future. Asset allocation is subject to change. It should be noted that diversification is no guarantee against a loss in a declining market. Assumptions, opinions and estimates are provided for illustrative purposes only. There is no guarantee that any forecasts made will come to pass. The risks associated with each fund or investment strategy should be read and understood before making any investment decisions. Further information on the risks of investing is available from LGIM’s Fund Centres.