Hilbert Protect 90

Available in GIA, ISA and SIPP
Addressing investors' needs for security and growth through retirement journey.

Redefining how you plan for retirement.

When it comes to investing, your needs naturally change as you move through different stages of life.One of the most important milestones in that journey is reaching retirement. After years of working hard to build your wealth, your focus might now shift to protecting it - to make sure it lasts and can support the lifestyle you want. The investments that served you well in the past may not be the best fit for this next stage.It's why we created the Hilbert Protect 90. We believe that retirement planning shouldn't mean choosing between protecting what you've worked hard to achieve and continuing to grow your wealth. Why can't you have both?
MPS Protect90

Whether you're nearing retirement or already there, this solution is designed to help you invest with clarity and peace of mind. Confidence, not compromise.

  • 90% capital protected
  • Linked to long-term equity market growth
  • Designed for investors in or approaching retirement
HIS

An expert-regulated service

Find out moreInterested in learning more about Hilbert and Protect 90? Why not download our client brochure that explains how it works and the power of insurance. We also explain in more depth who Protect 90 is suitable for and how to apply.

Our partners include Munich Re, BlackRock and BNY Mellon providing access to a unique combination of world class management and insurance.
Hilbert December 2025 Plan brochure

Frequently asked questions

There is no fixed term.

Daily.

A passive underlying investment keeps the overall costs down and BlackRock are one of the largest and most established ETF providers.

Protect 90 uses a basket of ETFs to generate market returns while alongside this the portfolio has a 90% capital protection, with the level of protection increasing as markets rise. This capital protection is present daily and is provided via an insurance-backed commitment from the Munich Re group.

Oversight is central to its design. The Hilbert Investment Team conducts a Quarterly Risk and Performance Review that ensures the protection mechanism is continuously evaluated and can grow with the value of the ETFs. This Quarterly Review is undertaken on/or around the 31st March, 30th June, 30th September and 31st December.

This approach reflects a broader philosophy: that protection should be active, not static. It should evolve alongside markets and investor needs, providing stability without constraining opportunity.

They are the world’s second-largest reinsurer (part of the big '3' reinsurers) and are AA rated.

These products didn’t work for two main reasons:

  1. The downside protection was via a mark-to-market derivative so when volatility was high after the GFC 2008, options become very expensive.

  2. The products were delivered through fund-based wrappers, and the guarantee was built into the fund rules. So when the markets were volatile, the fund quite rightly switched to cash to de-risk. However, the fund wasn’t able to override the rules in order to rebalance it back into growth.

How is Protect 90 different?

  1. Hilbert use Munich RE to provide an insurance-backed commitment, rather than using derivatives.

  2. Our solution is an MPS (not a fund) so we are able to rebalance the activity without the constraint of fund rules stopping us from doing so, allowing the performance to recover.

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About Hilbert Investment Solutions

We are an award-winning investment firm founded in 2012, with a mission to bring fresh thinking and innovative solutions to a wide range of investors. Our in-house expertise and reputation enable us to partner with some of the world's best banks, insurance companies, technology suppliers and investment managers.By placing our clients' needs at the centre of everything we do, and combining them with the capabilities of our strategic partners, we create investment solutions that aim to deliver attractive return potential while managing downside risk. We're not the only firm offering retirement solutions, but we are one of the few with the right expertise and innovation to help you invest with confidence, support and security in retirement.

$1bn

Assets under management

6

Presence in Global Markets

Over 15

Investment Awards

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Moneyfacts Awards
  • Awards - Moneyfacts 2024
  • Awards - Moneyfacts 2022
Hilbert Investment Solutions is authorised and regulated by the Financial Conduct Authority, No. 698380. Companies House Number 08956837.Copyright © 2024–2025 Hilbert Investment Solutions Ltd All right reserved.