Investment Risks

The information on the Crystal website is not advice, it is provided solely as information for individuals to refer to when they make their own retirement investment decisions.

Crystal uses investment linked products managed by AB Global’s Retirement Bridge (RB) strategy and LGIM and therefore, investments may go down as well as up. This could be as a result of the market going down or because investments do not perform as well as expected.

Past performance should not be seen as an indication of future performance.

There are no guarantees for returns but the Trustee set targets for the investment managers who are reviewed on a quarterly basis and are supported by independent investment consultants and BlueSky’s Strategic Team.

There is no guaranteed minimum income pay-out from any Crystal option. The income pay-out rate will vary from year to year and doesn’t guarantee that individuals will have sufficient income at 75.

There is no guarantee the level of income quoted will be achieved. The value of investments may go down as well as up, annual income amounts may also go down as well as up.

Exchange rate fluctuations may have an adverse effect on the value of non-UK shares.

In extreme market cycles income may not increase in line with inflation and the spending power of income will reduce.

The investments and/or investment services referred to may not be suitable for all investors. If individuals are unsure of the suitability of any retirement investment, they should contact an Independent Financial Adviser for further information.

AB Global funds and LGIM funds are offered under a pooled custody arrangement. The Trustee of Crystal access the service by entering into a discretionary investment management arrangement with both AB Global and LGIM. Each account in the series is comprised of a combination of underlying funds managed by AB Global and LGIM, along with other fund managers and direct investments.

All funds are protected by the Financial Services Compensation Scheme (FSCS).