Collegia Sustainable Target Date Pension Fund range (AllianceBernstein)

The investment strategy is designed for those who wish to avoid controversial investments while still gaining access to a diversified and dynamically managed portfolio. To do this, the strategy allocates to a wide range of different investment types, while excluding investment in companies involved in controversial business activities. The strategy also has several actively-managed sustainable investment allocations, where the most attractive investments are selected by experienced investment professionals following thorough research of financial characteristics as well as environmental and social considerations.

As you move towards retirement, the fund’s management team auto- matically adjusts your mix of investments, by gradually shifting away from company shares (“equities”) and towards interest paying debt securities issued by companies and governments (“bonds”). Funds that are furthest away from their target dates start out invested almost entirely in equities—from different countries and industries around the world, in addition to a range of diversifying assets including infrastructure assets. This mix emphasizes the growth potential you need to build your savings over the long term.

 

As you move closer to retirement, the fund’s management team adjusts (de-risks) the mix towards investments designed to give more stability, albeit with less growth potential.