Core portfolio. The classic choice with low costs and a solid record.

Objectives

To create investment growth by investing in low-cost funds that are designed to track different elements of the global investment markets in line with our investment philosophy.

For both equity and bond exposure, we select funds that track common established indices.

There is no filter applied for any responsible investing factors.

We measure the portfolios performance against a benchmark which is constructed from the indices the portfolios are tracking. As a result, we expect the portfolio performance to mirror the benchmark, minus the cost of investing.

10 risk level options

The more risk you take, the more bumpy the investment experience. That’s usually rewarded by greater returns.

Our core portfolio comes in 10 different risk levels, so there should be one that suits you perfectly. The lowest risk Portfolio 1 has 10% in global equities. The highest risk Portfolio 10 has 100% in global equities.

The best fit portfolio depends on how long you will be investing for, your tolerance of investment risk, and your ability to manage if you lose money.

Performance

When we measure investment performance, we look at three things:

  1. Growth before and after costs

  2. What the journey has been like (volatility)

  3. How the growth and journey compares to a benchmark.

The historical performance of our Core portfolio range depends on the risk level. The greater the risk, the greater the volatility, and the likely growth.

This table shows the average annual performance of our Core portfolio range against our benchmark over the last 5 years up to December 2023. The risk levels correspond to Portfolios 1 - 10. Hover over each risk level to see the comparison data.

More information

You can read about investment performance, the volatility of this portfolio and its diversification, showing how the underlying investments are spread across the world.

Investment charges

There are 3 potential charges to be aware of with most investment portfolios, and ours are no different.

Read more about our portfolio investment charges.

Fund details

All the portfolios are invested in the same funds, with varying proportions to reflect the different risk levels.

As with all investing, your capital is at risk. The value of your investment portfolio can go down as well as up. You may get back less than you originally invested.