Mon - Fri 09:00-18:00 020 3540 6355

Investment Funds

Once you have determined your risk profile, you then need to decide on the type of funds you want to invest in, to achieve your financial goals.

Someone who is an adventurous risk profile is prepared to take a lot of risk for the potential of a greater level of anticipated return. An adventurous investor will invest in riskier asset classes such as equities, commodities and property to achieve an asset allocation which matches that profile.

The value of the investment can go down as well as up and you may not get back as much as you put in.

YOUR CHOICE OF INVESTMENT FUND TYPES:

Cash And Cash-like Funds

These funds provide lower volatility than risk based funds, such as equities, with returns linked to bank and building society deposit rates. There is no guaranteed capital protection.

Multi-asset Passive Management Funds

These funds invest in multi asset classes and where some, or all, of the fund management is based on tracking a particular market or index. The fund will attempt to mirror the performance of the selected indices. Some, or all, of the investments are essentially run through computer programmes and therefore do not include active fund management or processes.

Multi-asset Single Manager Funds

These funds invest in multi asset classes and funds from a single investment fund house. These funds and asset classes may be managed by a different number of specialist managers within that single investment fund house or the individual single manager. The fund may either directly invest across different asset classes or be created through blending single managed funds from within that fund house. In each case the manager blends them to meet a specific risk profile and asset allocation. This manager is responsible for actively managing the asset allocation and achieving the performance expected.

Multi-asset Multi-manager Funds

A multi-manager is a specialist that selects a blend of single managed funds from the whole of the market and blends them to meet a specific risk profile and asset allocation. This multimanager is responsible for actively managing the asset allocation and achieving the performance expected. This includes the use of other funds and other managers. The multi manager will switch between funds and sectors in response to market changes, research and analysis. This approach involves making decisions on the inclusion, and exclusion, of funds against risk profiles, with the aim of reducing volatility.

The aim of these funds is to give the investor access to a wide range of different fund managers and asset types through a single investment fund. The funds are typically managed by a dedicated manager or specialist teams who scour the industry to select the managers they expect to deliver the best returns.

Multi-asset Single Manager Funds

These funds invest in multi asset classes and funds from a single investment fund house. These funds and asset classes may be managed by a different number of specialist managers within that single investment fund house or the individual single manager. The fund may either directly invest across different asset classes or be created through blending single managed funds from within that fund house. In each case the manager blends them to meet a specific risk profile and asset allocation. This manager is responsible for actively managing the asset allocation and achieving the performance expected.

Guide to Investing Download

98% of protection insurance claims presented in 2017 were paid out upon claiming2. BOOK YOUR REVIEW UK insures pay out £9.9m every day for protection policies. BOOK YOUR REVIEW £89.35 statutory sick pay is only £89.35 per week for a period of up to 28 weeks. BOOK YOUR REVIEW £68,000 the average value of critical illness claims paid in 2016 was £68,000. BOOK YOUR REVIEW 40% Inheritance Tax (IHT) is applied on assets worth over £325,000 BOOK YOUR REVIEW 8.9 of every 1,000 opposite-sex marriages end in divorce BOOK YOUR REVIEW £33,904 is the annual cost of residential care in the UK, this can rise for more complex needs BOOK YOUR REVIEW £63,224 is the average cost of raising a child between 1 and 4 (discounting private education) BOOK YOUR REVIEW £40,000 Those who receive financial advice accrue an average of £40,000 more than their counterparts BOOK YOUR REVIEW £231,843 According to research, raising a child costs an average of £231,843 BOOK YOUR REVIEW £6,000 2017 studies show that retirement income is more than £6,000 per year higher for those who plan ahead with an adviser BOOK YOUR REVIEW 137m working days were lost due to sickness or injury in the UK during 2016 BOOK YOUR REVIEW 50% of UK citizens born after 1960 will be diagnosed with a form of cancer at some point in their lifetime according to Cancer Research UK BOOK YOUR REVIEW