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Retirement and Income
Retirement and Income
From our award-winning Regulation 28 unit trusts to our uniquely-designed Target Income Funds, our range of optimal investment solutions are ideal for investors wanting to save towards retirement, or those looking to draw an income from their retirement (or discretionary) savings.
More information on our Target Income range of funds?
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M&G Investments' Reg 28 funds
We have a range of Regulation 28 compliant funds for your clients choose from, including our high- and low-equity multi-asset funds. Alternatively, you can build your own Regulation 28 compliant portfolio for your clients using our range of equity, property and bond funds as building-blocks.
Using Tax-free as part of a retirement plan
Our range of tax-free investments are exempt from all local taxes, making it a great way for your clients to supplement their retirement savings. We offer a range spanning different risk and return profiles, asset classes and geographical regions.
Drawing an income: Target Income funds
Our Target Income Funds offer an ideal all-in-one solution for clients looking to draw an income from their investments. Each fund is specifically designed and managed to provide an income of between 2.5% - 7%, with a secondary objective of growing their capital over time.
Target Income funds – Living Annuity
Our Target Income Funds take the guesswork out of deciding which options to choose for your clients’ living annuity investments. Each unit trust is specifically designed and managed to provide annuitants with an income between 2.5% -7%, with a secondary focus of growing your capital over time.
Target income funds – discretionary
If your clients are looking to draw an income from their investments, our range of Target Income Funds are designed and managed with exactly that in mind.
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Post Retirement
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M&G 2.5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 2.5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the level of targeted income return, it’s likely that the real value of capital after targeted income drawdowns will grow over the long term.
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M&G 5% Target Income Fund
Who Should Invest
This solution is ideal for income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 5% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the relatively high level of targeted income return, there’s an appreciable possibility that the real value of capital after targeted income drawdowns will not be maintained over the long term.
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M&G 7% Target Income Fund
Who Should Invest
Income drawing investors who want to invest their post-retirement or discretionary savings in an all-in-one solution that aims to earn 7% income per year. Subject to this level of income return being achieved, investors will also want their capital to grow over time. Given the very high level of targeted income return, it is most likely that the real value of capital after targeted income drawdowns will be eroded over the long term.
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M&G Target Income: Self-Managed Option
Who Should Invest
This solution is ideal for investors who would like to select their own specific income requirement, ranging from 2.5%-17.5%, and build their own portfolio from underlying M&G unit trusts.