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Cautious Portfolio

A simple, low cost portfolio to get you started

Building and managing your own portfolio isn’t for everyone. That’s why we created the Ready-made Portfolio range.
They combine multiple individual index funds giving you access to thousands of investments in a single portfolio.


Your money will be spread across different asset classes as well as exposure to countries around the world. 

Managed by experts

The investments are managed by Vanguard and BlackRock, two of the world's largest investment managers. 

Low cost

The underlying fund management charges are just 0.22% p.a. meaning you get to keep more of your returns.

Managed by the world's leading Money Managers

Leave the investment management to the experts. The Cautious Portfolio invests equally into two multi asset funds managed by Vanguard and BlackRock, two of the world's largest investment managers:

  • Vanguard LifeStrategy 20% Equity Fund - This fund invests into multiple individual Vanguard index funds with a target allocation of 20% in Equities (Shares) and 80% in Fixed Interest (Bonds)
  • BlackRock Consensus 35 Fund -The fund invests into multiple individual iShares index funds with a target allocation of no more than 35% in Equities (Shares) with the remainder invested in Fixed Interest (Bonds), Cash, Property and Commodities.
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Performance of the portfolio

These figures show the performance of the two funds in the Portfolio. Please note past performance is not a guarantee of future returns.

How much does this cost?

We do not charge you any extra fees for using a ready-made portfolio. You pay the fund management charge and the dealing charge for buying each fund. The average ongoing fund management charge for the funds in the portfolio is 0.22% p.a., with the charge for each fund shown in the table below.

Fund Ongoing Fund Charge
Vanguard LifeStrategy 20% Equity  0.22%
BlackRock Consensus 35 0.22%

Is the portfolio right for me?

It could be right for you if:

  • You want a low cost, easy way to start investing
  • You don't know much about investing, but just want to get started
  • You want to invest for the long term (5+ years)
  • You'd like regular guidance to help along the way

It's not for you if:

  • You're looking for a guaranteed return, or you are not prepared to take investment risk
  • You want the fund to provide you with a regular income
  • You're looking for a quick way to make money
  • You're seeking personal advice

Risks and things to consider

  • 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. The funds we’ve chosen in each one are guidance only, not a personal recommendation.
  • Investing in funds or the stock market opens the opportunity for making your money work harder, but the value of investments can go down as well as up, so you might get back less than you invest.
  • Investing tends to work better over the longer term (through the ups and downs of markets) so investing for 5 years and over improves your chances of better returns, although this isn't guaranteed.

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