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Ready-made Portfolios

The easy way to get started with investing

Ready-made investments, managed by experts

If you're not sure what investments to choose, you may want to use one of the five ready-made investment portfolios. The portfolios consist of low-cost multi asset funds managed by Vanguard and BlackRock, two of world's largest investment managers.

Multi asset funds allow you to have access to a range of global investments, without the hassle of selecting investments yourself. They’re a kind of one-stop solution that keeps your investments on track with little intervention from you.

BlackRock & vanguard logo

Ready-made Portfolios Performance

Cumulative Return

  Over 1 year Over 3 years  Over 5 years
Cautious Portfolio 9.7% 13.1% 31.1%
Moderate Portfolio 8.7% 13.1% 33.2%
Balanced Portfolio 8.4% 13.9% 37.7%
Growth Portfolio 8.1% 15.0% 43.4%
Adventurous Portfolio 9.0% 18.3% 56.0%

Performance data is provided by FE Trustnet as at 4 March 2020 and is based on past performance of the underlying investment funds of the portfolios. Past performance is not a reliable indicator of future results and investments can go down as well as up. As with all pensions, capital is at risk.

Pick a portfolio to suit you

When you're deciding which portfolio to choose, just think about how long you have until you want to draw your pension, and how much risk you're willing to take.

Generally the more risk that you're prepared to take, the greater the potential return. However, this also means a greater potential for loss. You just need to choose a portfolio that suits your investing and retirement goals.

This portfolio invests into the following funds:

49% - Vanguard LifeStrategy 20% Equity fund

49% - BlackRock Consensus 35 fund

2% - Cash

This portfolio invests into the following funds:

49% - Vanguard LifeStrategy 40% Equity fund

49% - BlackRock Consensus 60 fund

2% - Cash

This portfolio invests into the following funds:

49% - Vanguard LifeStrategy 60% Equity fund

49% - BlackRock Consensus 70 fund

2% - Cash

This portfolio invests into the following funds:

49% - Vanguard LifeStrategy 80% Equity fund

49% - BlackRock Consensus 85 fund

2% - Cash

This portfolio invests into the following funds:

49% - Vanguard LifeStrategy 100% Equity fund

49% - BlackRock Consensus 100 fund

2% - Cash

 

Why use the portfolios

Diversified - the portfolios invest into multi asset funds which means your money will be spread across different assets classes including Shares, Bonds, Commodities, Property and Cash.

No extra cost - there is no extra cost for using the portfolios. You just pay the SIPP charges plus the ongoing charges for the underlying funds in the portfolio.

Transparent - you will be able to see how the investments are performing from your online account, 24/7.

Expert Managers - the funds in the portfolios are managed by Vanguard and BlackRock, two of the world's largest investment managers.

Your investments are in safe hands

vanguard logo

Established: 1975

Offices: 18

Employees: 16,000

Assets under management: $5.6 trillion (as at 31.08.2019)

www.Vanguard.com

blackrock logo

Established: 1988

Offices: 70

Employees: 14,000

Assets under management: $6.84 trillion (as at 31.08.2019)

www.BlackRock.com

How it works

1

You choose one of the investment portfolios to use and complete the online sign up

2

We contact your existing pension provider(s) and arrange the transfer(s) into your SIPP

3

The money is received in your SIPP and invested into your chosen investment portfolio

Transfer your pension to MyExpatSIPP

Get started

Once you’ve invested in a ready-made portfolio, responsibility for managing it rests with you, so you need to be sure you have the time, and confidence, to do this. Each portfolio is designed to be held for five years or more. The funds we’ve chosen in each one are guidance only – not a personal recommendation.

Past performance of the underlying constituents is not a guarantee of future performance. The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest.