Royal London’s Riley offers investment protection in uncertain markets

During the current stockmarket volatility, investors in Riley, the individually insured investment from Royal London, can enjoy greater peace of mind with the option to insure some or all of their investment against possible stockmarket falls.

Royal London, the UK’s largest mutual life and pensions company, designed Riley to combine the potential for stockmarket gains through exposure to the FTSE 350 with a flexible level of protection. The ability to change the level of protection at any time, for instance to lock in gains or to take advantage of lower share prices, is a unique benefit which allows investors and their IFAs to choose -- and to vary -- the appropriate balance between risk and return for the individual.

The chosen protected amount is insured by putting part of the original investment into a fund which holds protection contracts provided by a leading investment bank. The remainder of the investment goes into a choice of two funds: the FTSE 350 Tracker Fund, managed by RLAM (Royal London Asset Management), or the FTSE 350 Managed Fund, managed by Andy Simpson at Schroders.

Roger Edwards, Head of Marketing Development, commented: "The FTSE 350 has seen strong gains since the launch of Riley on 5 October 2006. However, recent stockmarket uncertainty can be concerning for some investors. Riley’s unique protection element, where the investor and their adviser have the ability to change the level of protection at any time, offers flexibility and can help provide peace of mind in the most volatile markets.”