Editing Phoenix Group Holdings plc (section)

Phoenix Group Holdings is committed to helping people achieve a secure financial future, offering innovative retirement solutions and long-term savings products.

The company operates as a leading UK life and pensions provider, specialising in retirement solutions, long-term savings, and investment management. Phoenix prioritises the delivery of value-driven investments with a strong emphasis on environmental, social, and governance (ESG) principles, ensuring that its investment portfolios align with the evolving needs of its customers and society. Phoenix also focuses on managing long-term liabilities and capital efficiency, seeking to provide sustainable financial growth while supporting the retirement security of its policyholders.

Assuming Phoenix Group maintains a steady market position in the life insurance and pensions sectors, with modest growth in its asset management services, the expected return of an investment in the company over the next five years is positive 16%, which equates to an annual return of 3.1%. In other words, an £100,000 investment in Phoenix Group is expected to return £116,000 in five years' time.

The degree of risk associated with an investment in Phoenix Group is ‘moderate’, with the shares having a beta that is 22% below the market (0.78 vs. 1). Additionally, Phoenix Group’s shares show a ‘medium’ level of liquidity, as evidenced by its bid-ask margin of 0.02%.

Accordingly, based on the assumptions provided on the Stockhub platform, an investment in the company is considered to be a ‘suitable’ one for you if, among other criteria, your required:

* Return level is 3.1% per year or more in absolute terms;
* Risk level is 22% below the market risk level;
* Time horizon is five years or longer;
* Bid-ask margin is 0.02% or more; and/or
* Objective is to invest in a stable, long-term provider of pensions and insurance solutions that aligns with responsible investment principles.

'''Fun fact:''' Phoenix Group Holdings was founded in 1782 and has grown into one of the UK’s largest providers of long-term savings and retirement offerings. It primarily focuses on closed life funds and the acquisition of life insurance businesses.