Classical structures

Model Portfolios

RISK 3 Defensive

Defensive portfolios are mainly invested in loans to governments and larger companies, but may include some holdings in UK and overseas equities. Typical long term asset allocation of 35% equities, 65% in assets such as fixed interest and property. Appropriate benchmarks: MSCI PIMFA Conservative Index, ARC Sterling Cautious PCI.

RISK 4 Cautious

Cautious portfolios include holdings in UK and overseas equities, together with loans to governments and larger companies. Typical long term asset allocation of 45% equities, 55% in assets such as fixed interest and property. Appropriate benchmarks: MSCI PIMFA Conservative Index, ARC Sterling Balanced Asset PCI.

RISK 5 Moderate

Moderate portfolios include holdings in UK and overseas equities, in addition to a significant proportion of loans to governments and companies. Typical long term asset allocation of 60% equities, 40% in assets such as fixed interest and property. Appropriate benchmarks: MSCI PIMFA Income Index, ARC Sterling Steady Growth PCI.

RISK 6 Balanced

Balanced portfolios typically contain exposure to major overseas markets, with some exposure to the shares of companies in higher risk developing countries and emerging markets. Typical long term asset allocation of 75% equities, 25% in assets such as fixed interest and property. Appropriate benchmarks: MSCI PIMFA Balanced Index, ARC Sterling Steady Growth PCI.

RISK 7 Adventurous

An adventurous portfolio typically contains a substantial exposure to major overseas markets, with some exposure to the shares of companies in higher risk developing countries and emerging markets. Typical long term asset allocation of 90% equities, 10% in assets such as fixed interest and property. Appropriate benchmarks: MSCI PIMFA Growth Index, ARC Sterling Equity Risk PCI.

NB. In all cases, the capital value and the income from a portfolio may fall very substantially as well as rise at any time during the investment period, so you may not get back the amount invested.