Passive

A comprehensive range of low-cost, risk-graded portfolios

Perfect for

People seeking a managed investment solution, using low-cost investments that can be tailored to your preferred attitude to risk.

A range of low-cost, diversified portfolios, created by selecting the most appropriate passive investments from across the market. Passive investment portfolios aim to achieve similar returns to their benchmark indices, in order to keep costs as low as possible for investors. They have a total return objective, with no bias towards income or capital growth.

Investments are 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.

  • Conservative

    Risk level: 1

    This portfolio’s objective is to deliver similar returns to the IA Mixed Investment 0-35% Shares benchmark over the long term.

    The portfolio focuses on investments which may well provide low returns in the long term but present a lower risk to capital, providing greater stability with a focus on higher quality fixed income.

    Suitable for:

    Investors seeking low growth whilst protecting their capital as far as possible.

  • Cautious

    Risk level: 2

    This portfolio’s objective is to deliver similar returns to the IA Mixed Investment 0-35% Shares benchmark over the long term.

    The portfolio focuses on investments which may well provide low returns in the long term but present a lower risk to capital, providing greater stability with a focus on higher quality fixed income.

    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.

  • Cautious-Moderate

    Risk level: 3

    This portfolio’s objective is to deliver similar returns to the IA Mixed Investment 20-60% Shares benchmark over the long term.

    The portfolio provides a balance between fixed interest securities, equities, and alternative assets.

    Suitable for:

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

  • Moderate

    Risk level: 4

    This portfolio’s objective is to deliver similar returns to the IA Mixed Investment 40-85% Shares benchmark over the long term.

    The portfolio provides a balance between fixed interest securities, equities, and alternative assets.

    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.

  • Moderate-Adventurous

    Risk level: 5

    This portfolio’s objective is to deliver similar returns to the IA Mixed Investment 40-85% Shares benchmark over the long term.

    The portfolio 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 IA Flexible Investment benchmark over the long term.

    The portfolio 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 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.