• Money Wise Cautious Portfolio

    Investment Objective

    This portfolio is for investors who are prepared to accept some risk to build their capital in real terms (inflation-adjusted) over the medium to long term. The portfolio is actively managed and diversified across global financial markets and is mainly invested in collective funds, but may also include ETFs (Exchange-Traded Funds) and Investment Trusts. In normal market conditions, and as a guide, the portfolio is expected to have exposure to the equity markets within the range of 20-60%. Consequently, the returns may be lower than from a portfolio that maintains a higher equity weighting.

    Performance Measurement

    As a comparative benchmark the Portfolio uses the IA Mixed Investment 20-60% Shares sector. Please note that the benchmark was changed from the IA Mixed Investment 0-35% Shares on 01 November 2016 and this is reflected in the performance chart illustrated below.

    Top 10 Holdings

    30 November 2017

    Fund Name Weight (%)
    GAM Star Credit Opportunities 6.00
    TwentyFour Dynamic Bond 6.00
    TwentyFour Monument Bond 6.00
    Baillie Gifford Corporate Bond 5.00
    F&C Property Growth & Income 5.00
    Investec Diversified Income 5.00
    JP Morgan UK Equity Core 5.00
    Lazard Glb Listed Infrastructure 5.00
    Man GLG Cont. European Growth 5.00
    Premier Defensive Growth 5.00

    Performance

    Asset Allocation

    Equities 54.00%
    Fixed Interest 28.00%
    Absolute Return 10.00%
    Property 5.00%
    Cash 3.00%

    Money Wise Cautious Portfolio - Factsheet Download

  • Money Wise Balanced Portfolio

    Investment Objective

    This portfolio is for investors who are prepared to accept moderate risk to build their capital in real terms (inflation-adjusted) over the medium to long term. The portfolio is actively managed and diversified across a broad spread of global financial markets and asset classes and is mainly invested in collective funds, but may also include ETFs (Exchange-Traded Funds) and Investment Trusts. In normal market conditions, and as a guide, the portfolio is expected to have exposure to the equity markets within the range of 40-85%. Consequently, the returns may be lower than from a portfolio that maintains a higher equity weighting.

    Performance Measurement

    As a comparative benchmark the Portfolio uses the IA Mixed Investment 40-85% Shares sector. Please note that the benchmark was changed from the IA Mixed Investment 20-60% Shares on 01 November 2016 and this is reflected in the performance chart illustrated below.

    Top 10 Holdings

    30 November 2017

    Fund Name Weight (%)
    Man GLG Cont. European Growth 6.00
    Baillie Gifford European 5.00
    F&C Property Growth & Income 5.00
    GS Emerging Markets Equity 5.00
    HSBC American Index 5.00
    Investec Diversified Income 5.00
    TB Evenlode Income 5.00
    Artemis US Select 4.00
    AXA Framlington Japan 4.00
    GAM Star Credit Opportunities 4.00

    Performance

    Asset Allocation

    Equities 69.00%
    Fixed Interest 17.00%
    Absolute Return 9.00%
    Property 5.00%

    Money Wise Balanced Portfolio - Factsheet Download

  • Money Wise Adventurous Portfolio

    Investment Objective

    This portfolio is for investors who are prepared to accept a higher level of risk to generate a high return on their capital in real terms (inflation-adjusted) over the medium to long term. The portfolio is actively managed and diversified across a broad spread of global financial markets and is mainly invested in collective funds, but may also include ETFs (Exchange-Traded Funds) and Investment Trusts. The investment manager has the flexibility to switch in and out of different asset classes without restriction which could periodically result in the level of exposure to equities being as high as 100%.

    Performance Measurement

    As a comparative benchmark the Portfolio uses the IA Flexible Investment sector. Please note that the benchmark was changed from the IA Mixed Investment 40-85% Shares on 01 November 2016 and this is reflected in the performance chart illustrated below.

    Top 10 Holdings

    30 November 2017

    Fund Name Weight (%)
    Man GLG Cont. European Growth 7.00
    AXA Framlington Japan 6.00
    Baillie Gifford European 6.00
    Artemis Global Income 5.00
    Artemis US Select 5.00
    GAM Star Credit Opportunities 5.00
    GS Emerging Markets Equity 5.00
    HSBC American Index 5.00
    TB Evenlode Income 5.00
    F&C Property Growth & Income 4.00

    Performance

    Asset Allocation

    Equities 85.00%
    Absolute Return 6.00%
    Fixed Interest 5.00%
    Property 4.00%

    Money Wise Adventurous Portfolio - Factsheet Download

  • Money Wise Income Portfolio

    Investment Objective

    This portfolio is designed for investors who are only prepared to accept limited risk with their capital but who are seeking a regular and sustainable income, with capital growth of secondary importance. The portfolio is actively managed and diversified across a broad spread of global financial markets and asset classes, and is mainly invested in collective funds, but may also use ETFs (Exchange-Traded Funds) and Investment Trusts. In normal market conditions, and as a guide, the portfolio is expected to have exposure to equities within the range of 0-35%, although the manager may go outside this range, subject to market conditions, to meet the portfolio objectives.

    Performance Measurement

    As a comparative benchmark the Portfolio uses the IA Mixed Investment 0-35% Shares sector. Please note that the benchmark was changed from the IA Mixed Investment 20-60% Shares on 01 November 2016 and this is reflected in the performance chart illustrated below.

    Top 10 Holdings

    30 November 2017

    Fund Name Weight (%)
    F&C Property Growth & Income 8.00
    Investec Diversified Income 8.00
    TwentyFour Monument Bond 8.00
    GAM Star Credit Opportunities 7.00
    RLAM Short Dur Glb HY Bond 7.00
    TwentyFour Dynamic Bond 7.00
    Baillie Gifford Corporate Bond 6.00
    BlackRock Corporate Bond 5.00
    RLAM ST Money Market 5.00
    JP Morgan UK Equity Core 4.00

    Performance

    Asset Allocation

    Fixed Interest 44.00%
    Equities 35.00%
    Absolute Return 8.00%
    Property 8.00%
    Cash 5.00%

    Money Wise Income Portfolio - Factsheet Download

  • Money Wise Higher Income Portfolio

    Investment Objective

    This portfolio is designed for investors who are prepared to accept moderate risk with their capital as they seek a regular, sustainable and growing income over the medium to long term. The portfolio is actively managed and diversified across a broad spread of global financial markets and asset classes, and is mainly invested in collective funds, but may also use ETFs (Exchange-Traded Funds) and Investment Trusts. In normal market conditions, and as a guide, the portfolio is expected to have exposure to equities within the range of 40-85%, although the manager may go outside this range, subject to market conditions, to meet the portfolio objectives.

    Performance Measurement

    As a comparative benchmark the Portfolio uses the IA Mixed Investment 40-85% Shares sector. Please note that the benchmark was changed from the IA Mixed Investment 20-60% Shares on 01 November 2016 and this is reflected in the performance chart illustrated below.

    Top 10 Holdings

    30 November 2017

    Fund Name Weight (%)
    F&C Property Growth & Income 8.00
    HSBC American Index 7.00
    BlackRock Cont. European Income 6.00
    Investec Diversified Income 6.00
    Liontrust European Income 6.00
    Schroder Asian Income Maximiser 6.00
    GAM Star Credit Opportunities 5.00
    TB Evenlode Income 5.00
    Artemis Global Income 4.00
    Fidelity Global Dividend 4.00

    Performance

    Asset Allocation

    Equities 69.00%
    Fixed Interest 17.00%
    Property 8.00%
    Absolute Return 6.00%

    Money Wise Higher Income Portfolio - Factsheet Download