Each of our risk-graded portfolios provides a core multi-asset investment solution, with an expertly managed blend of UK shares, international shares, bonds and other assets.
The 21 portfolios target seven different levels of risk and return and three options are available for the underlying investments: actively managed funds, passive funds or a blend of active and passive.
Our multi-asset investment team, who have more than 125 years’ combined experience, construct and manage the portfolios, deciding the optimum long-term balance of different assets and then making measured adjustments to protect against shorter-term risks or to seize on opportunities.
The team invest using collective funds, which provides additional diversification benefits, helping to manage risk.
Actively managed funds
An ‘active’ fund manager invests in specific assets or parts of the market that they believe will outperform the wider market over a period of time. This can produce a better return than investing in the whole of the market, but can add an additional level of risk and will generally cost more in fees than passive investing.
Passive funds invest in assets that track or replicate specific markets (for example, UK equities), rather than trying to outperform them. The return on these investments should reflect the return from that market. Fees are typically lower than for actively managed funds.