Our Future Advantage funds are a range of five risk-rated investment options.  

They are easy investment options that you can select and combine to suit your client’s risk appetite and long-term investment objectives.

 

Low-cost
0.48% for investments over £25,000, 0.68% for less than £25,000*

Risk-rated
by Dynamic Planner and Synaptic

Built on beliefs
and backed by an asset owner managing over £283bn**


*Costs available through our SIPP product  **Source: Phoenix Group 2023 end of year accounts

 

Take advantage of future-proofed portfolios 

Five funds externally risk-rated and designed to be flexible, with strong governance processes keeping client outcomes at the heart of the strategy. 

 

Externally risk-rated

By Synaptic and Dynamic Planner

   

Risk-rated funds offer choice and flexibility 

  • Take clients to and through retirement using a range of funds across the risk spectrum 
  • Funds remain aligned to the level of risk a customer is willing and able to take    
  • Externally rated so you can have confidence in our approach 

Low-cost options that help you deliver for clients 

  • Our mainly passive approach provides value for clients 
  • Find out more about our bundled pricing approach in our charges guides:  

AMSIPP charges guide

AMPP charges guide

Robust governance you can rely on  

  • Our experienced teams of experts govern the funds and have the flexibility to replace managers where required 
  • Relax, knowing that we’re going to be monitoring the funds and keeping them within a risk range 

Additional oversight through our workplace business 

  • The underlying components used in the Future Advantage range are also used in our Sustainable Multi Asset Universal SLP workplace default and Investment Pathways funds.
  • This structure means  additional oversight of the underlying funds. This is provided through our workplace business, with over £24bn invested through our default strategy   

Multi-asset investments 

  • The range invests in a selection of global equity, bond, property and money market funds, all designed for growth in the long term at a rate appropriate for the level of risk selected 

Low-cost, mainly passive approach and strategic asset allocation 

  • The underlying components in the Future Advantage range use a mainly passive approach 
  • Strategic asset allocation reviewed annually and approved by Board Investment Committee 

Diversified and independent 

  • The range is further diversified through the use of different asset managers  including abrdn, Vanguard and BlackRock 
  • We are independent of any one asset manager, we actively oversee and govern the range of managers and will make changes where we believe it is in the best interests of customers.   

Investment independence and futureproofing 

  • Underlying funds for equity and some bonds are internal collectives, owned and operated by Phoenix asset management team with investment management sub-delegated. A structure that gives us control and ability to change. 

A responsible investment approach for equity 

  • A responsible investment approach for equity that prioritises investment returns whilst aiming to reduce environmental, social and governance (ESG) risk. The responsible investment content varies for each fund.

The funds are potentially suitable for your clients if they: 

  • Have an investment objective for capital growth over the long term
  • Are looking to invest to and through retirement into a solution that matches their attitude to risk 
  • Are looking to withdraw an income from capital 

The funds are unlikely to be suitable for your clients if they: 

  • Are unable to accept a degree of investment risk
  • Are unable to hold a UK-regulated product 

Future Advantage design: 

Risk level 1 – designed for customers who only want to take a small amount of risk to potentially achieve modest or relatively stable returns. There may be some short-term changes in value. 

Risk level 2 – designed for customers who want the potential to achieve reasonable long-term returns and are prepared to take some risk in doing so. There may be some frequent but quite small changes in value. 

Risk level 3 – designed for customers who are quite comfortable taking some risk to potentially achieve better long-term returns. The value can change frequently and sometimes significantly. 

Risk level 4 – designed for customers who are comfortable taking some risk to potentially achieve higher long-term returns. The value is likely to change frequently and often significantly. 

Risk level 5 – designed for customers who are very comfortable taking some risk to potentially achieve high long-term investment returns. The value is likely to change very frequently and significantly. 


Factsheets

icon Future Advantage 1 factsheet

Learn more information on the charges and asset allocation of the Fund

View factsheet 1

 

icon Future Advantage 4 factsheet

Learn more information on the charges and asset allocation of the Fund

View factsheet 4

 

icon Future Advantage 2 factsheet

Learn more information on the charges and asset allocation of the Fund

View factsheet 2

 

icon Future Advantage 5 factsheet

Learn more information on the charges and asset allocation of the Fund

View factsheet 5

 

icon Future Advantage 3 factsheet

Learn more information on the charges and asset allocation of the Fund

View factsheet 3

 

Read our key documents

icon Adviser guide

Read more about features, benefits and how you can use this range to meet your clients' needs.

View adviser guide

 

icon Client guide

Give your clients more information on the main features, benefits and risks of the funds.

View client guide

 

As part of Phoenix Group, we’re on a journey to becoming net zero by 2050. Find out how we’ll continue to support a better financial future for our customers, while considering our investment in carbon emitting sectors in our Net Zero Transition Plan. Standard Life is part of Phoenix Group and the data shown is for the combined Phoenix Group.

The information on this site is for qualified financial advisers and must not be relied on by anyone else. If you are not an adviser please go to our customer website for more information about our products and services.

Money invested is at risk.  Tax may change in the future.