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Fixed allocation portfolios

Low cost, diversified portfolios with automated rebalancing

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With investment, your capital is at risk

Sophisticated investing



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Diversified

Global, multi-asset portfolios crafted by our experienced team.

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Automated

Fully-automated rebalancing and dividend reinvestment.

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Low cost

For a fee of just 0.45% to 0.25% including VAT


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Remember, with investment your capital is at risk. The value of your portfolio could go down as well as up and you may get back less than you invest.

Choose a level of risk to see what's in our portfolios

Balanced
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Portfolio breakdown and investments

Learn more about the investments we use

All holdings are ETFs that meet European regulatory standards (UCITS).


Includes holdings in

  • Large and medium-sized companies across all developed and emerging countries
  • Fast-growing small companies in the US, Europe, Japan, and emerging markets
  • Government bonds in the UK with a wide range of maturities
  • Corporate bonds issued by a wide variety of UK and international companies in sterling, and high-yielding corporate bonds issued in the US
  • Higher yielding bonds issued by governments from developing countries

And exposure to

  • Stock markets across 46 countries in the developed and developing markets covering 99.8% of the world's market
  • Best in class ETFs across all providers
  • Up to 10,000 individual underlying securities
  • A balance between sterling and foreign currencies to help mitigate risk.
  • Fixed income securities from up to 92 countries

With investment, your capital is at risk



Our fixed allocation portfolios don't try to beat the market but through diversification and low fees aim to maximise returns and lower risk. Explore below how these portfolios would have performed over the last 20 years using simulated percentage returns. Trading costs, underlying fund costs, and a management fee of 0.45% have been included.

Past performance is not a reliable indicator of future performance.

Learn more about performance and how it's calculated


Cautious Steady Balanced Growth Adventurous
Balanced Aims for moderate growth without extreme volatility
Best 12 months Worst 12 months

Annual returns


Annualised Returns

5yr
1/1/12–31/12/16
10yr
1/1/07–31/12/16
15yr
1/1/02–31/12/16
20yr
1/1/97–31/12/16

How we compare


 
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Fixed allocation portfolios
Typical do-it-yourself platform
Get started in 10 minutes or less But requires research first
Automatic rebalancing
Automatic dividend reinvestment
Fractional shares
Fees 0.45% up to £100K
0.25% thereafter
Typically £10-£12/trade
+ Platform fee
+ Transaction charges
+ Setup & exit fees
Underlying fund costs Avg. 0.17% Depends on your asset selection

Sources: hl.co.uk, pamonline.com, moneysavingexpert.com, The Guidance Gap Report, The Money Advice Service.

How we maximise the power of ETFs

The best funds

Exchange-traded funds are very popular tools used by a wide range of investors, from institutional investors and hedge funds to pension schemes and private clients. There are over 1800 ETFs listed for sale in the UK, from 24 different providers. From this universe, we select the best in class funds for each asset class and automatically upgrade them whenever a better one becomes available. This process has brought the average underlying fund cost of our portfolios from 0.27% to just 0.19% annually over the past three years.

Fractional shares

We are the first wealth manager in the UK to trade in fractional shares. This means that every £1 is put to work as efficiently as £10,000 would be, with each dividend received reinvested across your whole portfolio. Other providers trade ETFs in lots of one share, which with some ETFs costing well above £100 per share makes building a diversified portfolio difficult, even with large portfolios. Our systems, on the other hand, can hold a small fraction of a one share, effectively owning pennies in any ETF, which makes global diversification effective at any portfolio size.

The best prices

Typically, our in-house dealing team is able to buy investments at a price 0.08% lower or sell at 0.08% higher* than the market price. We make this happen in a few ways: 1) Rather than dealing on the London Stock Exchange, we deal directly with specialist ETF 'market makers' across Europe to get the best possible prices, and 2) we match deals between clients selling and clients buying to reduce trading further. These improvements add up over time: we saved our customers over £1,000,000 last year alone.

* Based on all trades conducted in 2016, this is the difference between the market quoted price at the exact time of the trade and the price we obtained.

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