This information is intended for professional financial advisers only. Copia does not provide financial advice. This information is not intended as financial advice and should not be interpreted as such. Model investment portfolios may not be suitable for everyone. The value of funds can increase and decrease, past performance and historical data cannot guarantee future success. Investors may get back less than they originally invested.
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12th March 2026
Copia Select: Retirement Income and Retirement Income Plus – three years of purpose-built retirement solutions
Peter Wasko, Senior Portfolio Manager
Our innovative retirement portfolios, Copia Select: Retirement Income (RI) and Copia Select: Retirement Income Plus (RI+) have passed their third anniversary. Launched on 28 February 2023, the portfolios are designed to address the needs of investors in decumulation and delivering sustainable income through different market conditions.
Designed for the realities of retirement
RI and RI+ were purpose-built to support advisers in delivering good outcomes to clients at or in retirement and meet the evolving regulatory expectations around delivering a sustainable income in retirement.
The portfolios recognise the need to take a distinct approach to investing for decumulation versus accumulation. They aim to maximise returns for investors while mitigating the specific risks associated with taking an income from investments.
The RI portfolios balance capital growth potential with the need for stability and income sustainability. The portfolios follow a similar quantitative methodology to our highly successful accumulation models, but a greater proportion is allocated to less traditional assets, such as hedge funds, infrastructure, real estate and commodities, which provide a diversified alternative exposure. These assets typically have lower correlation to equity and fixed income, helping to reduce the impact of unfavourable market conditions on investors taking an income.
The RI+ portfolios are designed to complement guaranteed income, delivered by Just Group’s Secure Lifetime Income, alongside a managed portfolio to increase the opportunity to outperform and provide greater certainty of outcome in retirement without increasing the overall investment risk. Using a guaranteed income asset alongside a managed portfolio helps optimise asset allocation in retirement income portfolios, while achieving more certainty over investment outcomes.
Returns based on total return, assuming income is re-invested immediately and realigned on due dates. Data from FE fundinfo, 28/03/2023 – 27/02/2026.
Three Years in Context
Since launch, the RI and RI+ portfolios have navigated a period marked by elevated inflation, rapid interest-rate changes and ongoing geopolitical and market uncertainty. Against this backdrop, performance has reflected the portfolios’ primary objective of supporting sustainable retirement income while managing risk.
Looking Ahead
Advisers increasingly need solutions that recognise the unique challenges of taking an income rather than building wealth. Our RI and RI+ portfolios continue to give advisers flexibility in choosing an investment approach that maximises returns while managing specific decumulation risks: sequencing, longevity, inflation and interest rate, in line with the FCA’s focus on delivering sustainable income in retirement.
This article is intended for regulated financial advisers and investment professionals only. Copia does not provide financial advice. This information is not intended as financial advice and should not be interpreted as such. Remember, the value of investments will fluctuate, and capital is at risk.