Investment Manager Review Process
Investors are faced with an ever-growing universe of investment options. In light of the difficulties associated with these choices, and in recognition of the importance of good governance, London Life follows a disciplined approach to maintaining high standards for its segregated funds.
These standards help ensure you:
- Can feel confident you have chosen a sound investment manager—one that will be monitored consistently to ensure he or she meets quality and regulatory standards
- Can feel confident the fund will be managed in accordance with its stated objectives and policies
- Continue to enjoy the benefits of having world-class investment talent effectively manage the funds in which you invest
Standards and expectations set for London Life’s investment managers
The investment committee analyzes factors including, but not limited to:
- Consistency of style and philosophy regarding the investment manager’s money management processes
- Organizational structures of the investment managers, especially regarding significant changes in the personnel or investment processes
- Duties, experience and tenure of personnel
- Investment manager’s views on recent market conditions and any actions taken as a result of his or her assessment
- Current economic outlook and positioning of portfolios
- Compliance and control procedures
- Significant changes in assets gained or lost, especially losses on institutional accounts
- Fund performance on absolute and relative basis, compared to competitors, peer groups and benchmarks
- The consistency, reliability and repeatability of performance
- How the investment manager generated returns, which helps separate skilled managers from lucky managers
- Volatility of the investment manager’s returns relative to a benchmark
- The fund’s actual returns and its expected performance, given its level of risk
- How much risk an investment manager had to bear to earn the returns on a particular fund
- How each investment manager fits into the overall offering of London Life’s Freedom Funds
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Rates and Fund Performance
Find out more about our segregated funds, mutual funds, guaranteed interest option rates and fund performance.