Hybrid

Risk-graded portfolios, with greater investment oversight

Perfect for

People who are happy to pay slightly higher charges for potentially greater returns. Our Hybrid portfolios provide a choice of investment aims and risk levels, including options for a fully ethical investment approach.

A range of diversified portfolios, created by selecting the most appropriate investments from across the market. Hybrid portfolios have greater investment oversight and aim to out-perform their benchmark indices over the long-term, seeking to enhance returns while controlling overall costs.

These portfolios use a blend of active and passive investments, chosen from a broad range of asset classes including fixed interest securities (which may well provide low returns in the long term, but with a limited risk to capital), property, equities, and alternative assets (which can boost long term returns but may be exposed to more risk).

The portfolios are re-balanced on a quarterly basis to ensure that they continue to meet their investment objectives and risk levels.

  • Protective

    Risk level: 2

    This portfolio’s objective is to outperform the PIMFA Conservative and IA Mixed Investment 0-35% shares benchmarks over the long term.

    The portfolio has no bias towards income or capital growth. It focuses on investments which may well provide low returns in the long term, but which present a limited risk to capital. Only a relatively small amount of riskier assets will be included, to increase the potential for better long-term returns.

    Suitable for:

    Investors seeking modest growth who are prepared to take slightly more investment risk, but who also want to protect their capital as far as possible.

  • Lower risk income

    Risk level: 3

    This portfolio’s objective is to outperform the PIMFA Stock Market Income and IA Mixed Investment 20-60% shares benchmarks over the long term.

    The portfolio has a bias towards income generation rather than capital growth. It provides a balance between fixed interest securities, equities, and alternative assets.

    Suitable for:

    Investors seeking income and who are willing to accept more investment risk in the short term, in order to increase the potential for better long-term returns.

  • Lower risk growth

    Risk level: 3

    This portfolio’s objective is to outperform the PIMFA Stock Market Income and IA Mixed Investment 20-60% shares benchmarks over the long term.

    The portfolio has a bias towards capital growth, with a relatively low level of volatility. It provides a balance between fixed interest securities, equities, and alternative assets.

    Suitable for:

    Investors seeking capital growth and who are willing to accept more investment risk in the short term, in order to increase the potential for better long-term returns.

  • Income focus

    Risk level: 4

    This portfolio’s objective is to outperform the PIMFA Balanced and IA Mixed Investment 40-85% shares benchmarks over the long term.

    The portfolio aims for a high level of income generation rather than capital growth. It has a higher proportion of equities and alternative assets, relative to fixed interest securities and cash.

    Suitable for:

    Investors looking to generate a high level of income and who are willing to accept the possibility of a greater loss of capital in the short to medium term, in order to increase the opportunity for better returns.

  • Growth focus

    Risk level: 4

    This portfolio’s objective is to outperform the PIMFA Balanced and IA Mixed Investment 40-85% shares benchmarks over the long term.

    The portfolio targets capital growth rather than income. It has a higher proportion of equities and alternative assets, relative to fixed interest securities and cash.

    Suitable for:

    Investors seeking longer-term growth and who are willing to accept the possibility of a greater loss of capital in the short to medium term, in order to increase the opportunity for better returns.

  • Growth seeker

    Risk level: 5

    This portfolio’s objective is to outperform the PIMFA Balanced and IA Mixed Investment 40-85% shares benchmarks over the long term.

    The portfolio targets longer-term capital growth rather than income. It has a higher proportion of equities and alternative assets, relative to fixed interest securities and cash.

    Suitable for:

    Investors seeking long-term growth and who are prepared to accept higher volatility in order to increase the opportunity for better returns. Investors will be accepting the risk of capital loss over a prolonged period.

  • Adventurous

    Risk level: 6

    This portfolio’s objective is to outperform the PIMFA Global Growth and IA Flexible Investment benchmarks over the long term.

    The portfolio targets longer-term capital growth and is likely to have a very high proportion of equities and alternative assets, relative to fixed interest securities and cash. There may be an element of specialist equity investment within the portfolio.

    Suitable for:

    Investors seeking long-term growth and who are prepared to take a large amount of investment risk in order to increase the opportunity for better returns. Investors should be willing and able to tolerate larger and more frequent fluctuations in the value of their investments over the short term.

A range of diversified portfolios, created by selecting the most appropriate investments from across the market. Hybrid portfolios have greater investment oversight and aim to out-perform their benchmark indices over the long-term, seeking to enhance returns while controlling overall costs.

These portfolios primarily use active investments, chosen from a broad range of asset classes including fixed interest securities (which may well provide low returns in the long term, but with a limited risk to capital), property, equities, and alternative assets (which can boost long term returns but may be exposed to more risk).

The portfolios are re-balanced on a quarterly basis to ensure that they continue to meet their investment objectives and risk levels.

Our ethical portfolios meet the highest possible ESG standards. This includes the avoidance of sectors deemed to be unethical, investment in companies making a positive contribution, and active engagement with ethical issues.

  • Lower risk

    Risk level: 3

    This portfolio’s objective is to outperform the PIMFA Stock Market Income and IA Mixed Investment 20-60% shares benchmarks over the long term.

    The portfolio seeks capital growth, with a relatively low level of volatility. It provides a balance between fixed interest securities and alternative assets.

    Suitable for:

    Investors seeking capital growth and who are willing to accept more investment risk in the short term, in order to increase the potential for better long-term returns.

  • Temperate

    Risk level: 4

    This portfolio’s objective is to outperform the PIMFA Balanced and IA Mixed Investment 40-85% shares benchmarks over the long term.

    The portfolio has a total return objective with no bias towards income or capital growth. It provides a balance between fixed interest securities, equities, and alternative assets.

    Suitable for:

    Investors seeking a total return on their investments over the longer-term and who are willing to accept the possibility of a greater loss of capital in the short to medium term, in order to increase the opportunity for better returns.

  • Growth

    Risk level: 5

    This portfolio’s objective is to outperform the PIMFA Balanced and IA Mixed Investment 40-85% shares benchmarks over the long term.

    The portfolio targets capital growth, rather than income. It has a higher proportion of equities and alternative assets, relative to fixed interest securities and cash.

    Suitable for:

    Investors seeking long-term growth and who are prepared to accept higher volatility in order to increase the opportunity for better returns. Investors will be accepting the risk of capital loss over a prolonged period.

  • Adventurous

    Risk level: 6

    This portfolio’s objective is to outperform the PIMFA Global Growth and IA Flexible Investment benchmarks over the long term.

    The portfolio targets longer-term capital growth and is likely to have a very high proportion of equities and alternative assets, relative to fixed interest securities and cash. There may be an element of specialist equity investment within the portfolio.

    Suitable for:

    Investors seeking long-term growth and who are prepared to take a large amount of investment risk in order to increase the opportunity for better returns. Investors should be willing and able to tolerate larger and more frequent fluctuations in the value of their investments over the short term.

Hybrid FAQs

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