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Positive Impact Portfolio

Investing with a purpose

Grow your pension and make a positive impact on the world by investing into companies, organizations, and funds with the intention to generate social and environmental impact alongside a financial return.

Firms making a positive difference

Investments in companies that are aiming to have a positive impact on people and the planet.

Grow your investments in a sustainable way

Using your money to create a more sustainable world for future generations.

Support the planet through clean energy

Helping to address the global climate change issues through investments into clean energy companies. 

Investments managed by leading money managers

The Positive Impact Portfolio invests equally into three funds that we believe are making a positive impact on the world through investments:

  • Baillie Gifford Positive Change - this fund invests in global companies which can deliver positive change in one of four areas: Social Inclusion and Education, Environment and Resource Needs, Healthcare and Quality of Life; and Base of the Pyramid (addressing the needs of the world's poorest populations).
  • Royal London Sustainable World - this fund invests mainly in the shares of global companies that are deemed to make a positive contribution to society.
  • Liontrust Sustainable Future Global Growth - this fund invests in well run global companies that the fund managers believe whose products and operations capitalise on the key structural growth trends that will shape the global economy of the future.
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Performance of the portfolio

These figures show the performance of the 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 charge for the funds in the portfolio is 0.73% p.a., with the charge for each fund shown in the table below.

Fund Ongoing Fund Charge
Baillie Gifford Positive Change Fund 0.53%
Royal London Sustainable World Trust 0.77%
Liontrust Sustainable Future Global Growth Fund 0.88%

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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