Balanced Growth Fund

Compared to more cautious investments, the Balanced Growth Fund offers the potential for greater returns. However, you should also be prepared to see wider fluctuations in the value of your investment.

• Easy to open - lump sum investments from just £1,000.
• Monthly investment - make regular investments from £50 a month.
• Closely monitored - our team of fund managers is overseen by Close Investments, working together with Aviva Investors, our investment manager.

Investments usually come with a tax bill. However, you can make a tax efficient investment in this fund - up to £7,200 or £10,200 (if you are aged 50 or over by 5 April 2010) this tax year.

Get your finances in shape for the future. Make an appointment with an RBS Financial Planning Manager on 0800 051 1867.

• Expert management

It can be time consuming to pick the right investment, fund manager and assets.

Expert Managed Solutions funds do all this on your behalf, and everything is monitored by third party experts.

Let's be honest. No single manager can be an expert in every type of investment. That's where the multi-manager approach comes in. Instead, it employs a range of specialist fund managers to look after your money.

The aim is to reduce the fluctuations in your returns, minimising the potential rises and falls in the stock market.

Aviva Investors Global Services Ltd selects the right allocation of assets, and then manages this mix across the funds.

They are experts in working to meet investment objectives by taking advantage of opportunities in changing markets - especially important in volatile economic times.

Close Investments monitors the fund managers (all except Aviva Investors, in their capacity as manager of the property and cash funds). Close also monitors each fund manager's performance against targets.

• Common questions

• I'm looking to invest in the stockmarket, but I'm not sure about the risks. Could the Expert Managed Solutions funds be suitable?
• How does fund performance balance against risk?
• Can I get my money if I need it?

Yes they could. Our funds can invest in a range of assets across different fund managers. They never rely on one investment or one manager performing well.

So, when you compare them to conventional managed funds, the fluctuation in value of your investment is potentially reduced. Equally important, you are not overly-exposed to any particular sector that may not be performing well. This is especially important in turbulent economic times.

On top of all this, you can choose from a selection of funds - to reflect the level of risk you'd like to take.

These funds are designed to give you access to some of the best performing fund managers in the world.

Close Investments, the independent fund manager researcher, will carefully monitor the performance of the chosen fund managers. Close Investments can replace managers who do not perform.

Yes. You can access your money whenever you like. However, the funds are stockmarket based, so we would recommend you hold them for at least five years.

• Legal

Provided by RBS Collective Investment Funds Ltd. Expert Managed Solutions invests in stocks and shares and you should be aware that the value of your investments and the income from them can go down as well as up and you may not get back the original amount of your investment.

• Please also read our website terms and conditions which cover your use of this website