Investment Risks

The information in the Crystal ebooklet and website is not advice, it is provided solely as guidance to enable individuals to make their own retirement investment decisions.

Crystal uses an investment linked product managed by AllianceBernstein’s Retirement Bridge (RB) strategy 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 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 retirement 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.

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

The Trustee monitor retirement investment performance regularly and is supported by independent investment consultants and Crystal Operations.

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


Read online or download the full Crystal Booklet