Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
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Personal Portfolio Defensive Fund
Low risk fund
This is the lowest risk fund in the range.
This long term asset mix is made up of 73% Bonds, 25% Shares and 2% Cash. The fund is actively managed so this can change over time.
Personal Portfolio Cautious Fund
Low to medium risk fund
Also known as the low to medium risk fund in the range. With fewer investments in bonds than the lower risk fund, the risk increases.
The long term asset mix is made up of 58% Bonds, 40% Shares and 2% Cash. The fund is actively managed so this can change over time.
Personal Portfolio Balanced Fund
Medium risk fund
Also known as the medium risk fund in the range, this fund has greater exposure to higher risk investments, such as equities.
The long term asset mix is made up of 43% Bonds, 55% Shares and 2% Cash. The fund is actively managed so this can change over time.
Personal Portfolio Ambitious Fund
Medium to high risk fund
Also known as the medium to high risk fund in the range, with more than half of the fund invested in equities, the risk increases further.
The long term asset mix is made up of 23% Bonds, 75% Shares and 2% Cash. The fund is actively managed so this can change over time.
Personal Portfolio Adventurous Fund
High risk fund
This is the highest risk fund in the range.
The long term asset mix is made up of 98% Shares and 2% Cash. The fund is actively managed so this can change over time.
Our funds' asset mix allocation may vary but will always be consistent with their objective.
Each illustration shows long term asset mix, effective from November 2022.
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