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 04/11/2016 is:

US equities 59.3%
UK equities 29.4%
European equities 10.2%
Government bonds 1.1%
Company bonds 0%
Cash 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 04/11/2016 is:

US equities 40.9%
UK equities 24.3%
Government bonds 19.6%
European equities 10.8%
Pacific equities 4.4%
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 04/11/2016 is:

Government bonds 67.2%
US equities 19.3%
UK equities 9.5%
Pacific equities 2.1%
European equities 1.9%
Company bonds 0%
Cash 0%
Japan equities 0%