Building a personalised portfolio
Our comprehensive range of funds provides a highly versatile and tax-efficient 'toolkit' featuring many different types of asset content and management styles.
Independent financial intermediaries can use these funds to help their clients construct personalised portfolios designed to meet their individual needs.
Through our links with a number of leading investment houses, intermediaries can help their clients select funds whose performance is linked to an external fund. Each insurance fund link invests primarily in one external collective investment scheme and retains a small proportion in cash deposits, so the performance of the fund broadly reflects that of the underlying external fund. This is an efficient method of gaining exposure to the experience of a range of well known or specialist fund management groups. We negotiate discounts on the normal asset acquisition charges, which are passed on to clients.
Scroll down the page for brief descriptions of the fund types, which include:
Managed funds
We have three types of managed funds: Growth, Balanced and Cautious. They reflect the most common risk profiles, enabling advisers to select funds that match the client's attitude to risk.
Growth managed funds
These invest in a selection of international equity markets, with up to half of the portfolio invested outside the reference currency of the fund. Although these funds can be volatile in the short term, they provide a broad-based exposure for long-term investment in shares.
Balanced managed funds
These invest in fixed interest securities and equity markets outside the reference currency of the fund. Although these funds can be volatile in the short term, they provide a broad-based exposure for long-term investment in shares.
Cautious managed funds
These invest in cash, fixed interest securities and equity markets, solely in the currency of the fund. Cautious managed funds are never more than 50% invested in equities. These funds are particularly suitable when stock markets are falling or for those seeking short-term security rather than capital growth.
Equity funds
These are for clients who know which specific equity markets they wish to invest in, or who wish to increase the equity content of a portfolio constructed principally from the Managed Fund range.
Fixed interest funds
These invest in fixed interest securities with the objective of medium- to long-term capital growth. The funds hold only good quality investments where the security of capital and interest has been favourably assessed by one or more of the major credit rating agencies (such as Standard & Poor's, Moody's, etc.). Fixed Interest Funds are available which invest internationally together with regional fixed interest funds for American, UK, and European securities. Fixed interest fund volatility has historically been lower than that of equity investments.
Protected funds
These dynamically allocate assets between equity and cash ensuring a principal protection equal to 80% of the fund's highest ever net asset value. The dynamic allocation is based on proprietary mechanisms provided by the world's leading financial institutions which aim to maximise equity exposure whilst providing principal protection. They provide investors with the opportunity to benefit from the unlimited growth potential of global stock markets whilst reducing volatility and limiting downside risk.
Deposit funds
These are for clients who wish to hold money outside equity markets. They offer high security combined with competitive short-term yields. They are particularly useful for holding cash while the next investment move is being considered. Deposit funds are available in US Dollars, UK Sterling, Swiss Francs, Euros, Swedish Krona, Australian Dollars and Japanese Yen.
Changes to fund ranges
Our fund range changes and evolves continually. Please contact us for a full description of our current fund offerings.
