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Investment Pathways are highly governed funds that are designed and approved for drawdown. There are four different Pathways you can choose from, depending on when you’re looking to take an income from your pension. The four Pathways are determined by whether you plan on:
1. Not touching your pension in the next five years.
2. Setting up a guaranteed income within the next five years.
3. Taking a long-term income from your pension within the next five years.
4. Taking all your money out within the next five years.
Each Investment Pathways fund is designed to match your needs, but they are single fund solutions. These funds are not directly managed by Wealthify, unlike the rest of our investments.
Yes, Wealthify Plans do support drawdown.
As we offer a non-advised service, the government make it mandatory for us help you check that your investments are right for you heading into retirement. Part of this includes offering Investment Pathways, an initiative from the Financial Conduct Authority (FCA).
If you're unsure of your retirement objectives, or if you need help financially planning for retirement, then you may wish to speak to an independent financial advisor.
To choose an Investment Pathway, you’ll need to fill out a questionnaire to help you understand your plans for drawdown. We’ll then share with you an option of four funds, operated by Hymans Roberston, which are designed and approved specifically for withdrawing from your pension.
It’s worth noting that you do not need to decide based on the outcome of this questionnaire, and the options to choose an Investment Pathway will still be available to you at any point in the future.
If the Investment Pathways don't meet your retirement objectives in drawdown, you can remain in your current Wealthify Investment Plan or change to a different Wealthify Investment Plan. As always, the underlying funds in these Investment Plans are subject to change.