Storebrand Lifecycle Portfolio

Storebrand Lifecycle Portfolio– A retirement saving plan tailored to you

3Make a choice!Anders (27)Kari (52)Nils (67)Anders is 27 and has chosenStorebrand’s Lifecycle Portfolio.Anders does not know much aboutfinancial investments and wouldlike someone with knowledge andexperience to invest his pensionassets in the best funds for hisage. He is confident that Storebrandwill make the right choicesfor his pension.Since Anders is young and hasmany years left before retirement,Storebrand invests all of his assetsin the Aggressive Portfolio, composedof 80 per cent stocks. Theassets will remain in this portfoliountil he turns 43. At that point,Storebrand will gradually reducethe proportion of stocks in hisretirement savings.Illustrasjonsfoto: ColourboxKari is 52 and has also chosenStorebrand’s Lifecycle Portfolio.Kari chose the Lifecycle Portfoliobecause she thinks it is a safe andeasy choice, allowing Storebrand atall times to choose the best investmentmix for her pension assets.She is comfortable that Storebrandannually reduces the proportion ofstocks to the appropriate level forher age. It is important to Kari thather pension assets are less affectedby fluctuations in the stock market,while still providing a good returnover time.Because Kari is 52, Storebrandhas allocated her assets equallybetween Aggressive Portfolio andModerate Portfolio, which results inan equity exposure of 65 per cent.Nils is currently 67 and will beretiring soon. He has chosen theLifecycle Portfolio because he wantshis pension assets to be investedsecurely in order to provide predictablepayments. At the same time,Nils still wants a good return on hispension. Storebrand’s Lifecycle Portfolioprovides both predictability andthe opportunity for good returns,and Nils is satisfied with this.Nils is at an age where it is importantthat pension assets are notunduly affected by fluctuationsin the stock market. This is whyStorebrand invests all his pensionassets in the Conservative Portfolio,with 20 per cent in stocks and 80per cent in fixed income securities.This portfolio is where the assetswill remain during his retirementwithdrawal period.How do I choose Storebrand’s Lifecycle Portfolio?To choose the Storebrand Lifecycle Portfolio saving solution, you must log on to your personal pages at storebrand.no.Log on with your personal identification number and BankID, or your personal password. From the “Saving” tab choose“Change Fund,” and then the Lifecycle Portfolio. Your personal pages contain complete information regarding your pensionin Storebrand and any other products you have with us.Would you like to receive information about pensions and other news from Storebrand? Register your email address in“My profile” on your personal pages, and we will keep you up to date on all the latest developments in the life and pensionsarea.More information is available at www.storebrand.no/recommended, or you are welcome to contact one of ourpension advisers by phone: 22 31 20 00