Whether you prefer to use risk-rated, ready-made portfolios, or like to select your own funds, you can choose from a wide range of funds with different investment styles and objectives to suit your needs.
Funds typically fall in, or between the following four categories -
- High risk (Rated 6-7 in the fund's key investor information document - KIID)
High risk funds can fluctuate, down or up, significantly in value because the investments are focused on concentrated markets with little diversification. The potential rewards are higher than other funds for this reason.
- Moderate risk (Rated 4-5)
Investment options in this category take risks to provide higher returns, so there is a risk that you may lose money, balanced by the prospect of greater gains. They mainly invest in equities, bonds with a higher risk of default and/or property.
- Cautious risk (Rated 2-3)
Investment options assessed as cautious risk tend to have a significant proportion of assets in bonds and gilts. These investment options may hold other stock market investments, but their risks are mitigated by spreading the investment between asset classes. The returns are expected to be lower than those of moderate to high risk.
- Minimal risk (Rated 1)
Investment options classed as minimal risk would not invest in equities or property and would typically be limited to bank and building society type investments.
We offer a range of well governed funds to help you achieve your investment goals.