Risk graded funds

We offer a range of funds so you can choose the ones that suit your needs best. Remember though no matter which fund or funds you select, the value of your investments can go down as well as up and your original investment is not guaranteed.

Further information on what each of funds invests in can be found below.


What does the Higher fund invest in?

The Higher fund may invest in UK and global stock markets, cash and government and company bonds. The fund’s current mix as at 10/08/2015 is:

US equities 55.9%
UK equities 30.0%
European equities 14.1%
Cash 0%
Company bonds 0%
Government bonds 0%
Japan equities 0%
Pacific equities 0%

What does the Medium fund invest in?

The Medium fund may invest in UK and global stock markets, cash and government and company bonds. The fund’s current mix as at 10/08/2015 is:

US equities 40.8%
Government bonds 22.8%
UK equities 21.9%
European equities 12.0%
Pacific equities 2.5%
Cash 0%
Company bonds 0%
Japan equities 0%

What does the Lower fund invest in?

The Lower fund may invest in UK and global stock markets, cash and government and company bonds. The fund’s current mix as at 10/08/2015 is:

Government bonds 57.2%
US equities 17.8%
UK equities 9.7%
Company bonds 9.6%
European equities 4.6%
Pacific equities 1.1%
Cash 0%
Japan equities 0%