HLD Investment Proposition Update
Hawthorn Life regularly review the funds we offer to make sure they remain suitable for our customers. We carried out our latest review with Morningstar, our fund-selection advisers. Following this review, we have decided to make a number of changes. These changes will affect our portfolios and the self-select funds we offer. We are making these changes early 2026 with the aim of providing you with better outcomes, in line with our obligations under the Consumer Duty.
The changes involve the closure of a number of actively managed funds and the introduction of index-tracker funds which invest in a similar investment sector.
More detail will be provided to customers directly
Financial Advice
Before you make any decisions, we would strongly recommend you speak to your financial adviser. If you do not have a financial adviser, whilst seeing a financial adviser might have an upfront cost, it could help you avoid making small mistakes that could catch up with you in the long run. Moneyhelper can assist you in describing how financial advice works, the types of advisers you can speak to and when it is appropriate to use a financial adviser. This information is viewable here: www.moneyhelper.org.uk/en/getting-help-and-advice/financial-advisers
Please note that obtaining advice or seeking guidance is a key part of protecting yourself and your family when making any important financial decision.
Pension Wise. Your Money. Your Choice
We encourage you to take advantage of Pension Wise, a government service from MoneyHelper that offers free, impartial guidance about your defined contribution pension options.
An appointment with Pension Wise is free and will help you understand what your overall financial situation will be when you retire. The service will talk you through your options to help you make the right decision. You will also find out about the other factors you need to consider when deciding on your options before retirement.
To book a free appointment call 0800 138 3944 or visit Book a free Pension appointment (moneyhelper.org.uk)