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Past performance is not a reliable indicator of future returns. Authorised and regulated by the Financial Services Authority.
Business Process
We are asset allocators.
Most pension providers allow a client who has invested with them to choose how to allocate those investments across various asset classes and to change that allocation from time to time.
If so, you can chose an appropriate managed fund where the provider makes those decisions for you, or you can chose S&N to do so.
A comparison of our fund performance compared to the product providers' performance is shown on the performance chart section. Either way your funds never leave the provider's control.
Currently, for new investments we provide our service for clients whose pensions are with the following product providers:
Who do we work for?
We work for you! Whether your pension fund is £3,000 or £300,000 you deserve the best possible performance from your pension fund.
The service was designed for unsophisticated clients whose Independent Financial Advisors were dissatisfied by the mediocre returns available from most of the product providers' managed funds. However, due to the unique features of the service it has proved attractive to all levels and types of investor.
How does the service work?
You need to discuss with your financial advisor your attitude to risk and what level of risk are you prepared to take with your pension. A full explanation of our risk grades is available within our brochure or below as a download.
We offer eight risk grades: risk grade 1 and your investment will carry little risk, to risk grade 8 where your investment will carry a lot of risk.
In general bigger risks can mean bigger rewards or losses; smaller risks are safer but smaller rewards are more likely.
Can I move risk grades?
Yes, if you feel you wish to take more or less risk all you have to do is let us know, in writing.
How much does it cost?
The service costs up to 1% per annum which is normally deducted from your pension policy and that is it. No hidden charges and no extra fees.
How do we keep you informed?
Each year we ensure you receive information from ourselves explaining how your policy has performed.
What if I am unhappy with the service?
The service can be terminated by one month's notice in writing.
Aegon (Scottish Equitable)
Aviva (Norwich Union)
Clerical Medical
Liverpool Victoria
Prudential
Scottish Life
Scottish Widows
Skandia Life
Winterthur Life (Axa)