Our range of Risk-Rated funds benefits from a fund of funds approach, allowing us to select underlying investments managed by a range of world-leading investment managers, such as Legal & General and Blackrock.

All funds in this range benefit from an active asset allocation, which means economic and market conditions are actively considered in order to target an improved risk adjusted return for members. By selecting a Risk-Rated investment fund, members who have a specific view on risk versus potential reward can be sure that their money is always invested in a manner that stays consistent with their attitude.

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Available Funds

Our 5 Risk-Rated investment funds provide investment choices for members with varying attitudes towards investment risk, ranging from cautious to adventurous.

Whilst varying in attitudes of risk, all funds hold these aims:

  • To provide a long-term investment return to investors with a cautious attitude to risk
  • To invest in a range of different assets that are actively managed to target optimal returns
  • To outperform  inflation targets over the business cycle

The asset mix of the funds will be reviewed periodically and may be amended if a review indicates that it would be in investors’ best interest to do so. This means in future the funds could be invested in different funds and change their underlying holdings.

We offer Risk-Rated Investment Funds to suit the following risk profiles:

Cautious

Cautious Investors are risk averse and typically have very limited experience and understanding of investments. They often take a long time to make investment decisions and tend to be anxious about any investment decisions they have made. They tend to associate risk with potential loss rather than opportunity. They typically look for investments with lower investment risk rather than seeking higher returns. They generally prefer bank accounts and are less willing to invest in stocks, shares and investment funds. Some cautious investors will be unwilling to take any investment risk at all. Cautious investors are more risk averse than about 90% of the investing population (i.e. compared to 9 people out of 10).

Moderately Cautious

Moderately Cautious Investors have fairly limited experience and understanding of investments. They often take a long time to make investment decisions and tend to be anxious about any investment decisions they have made. They are inclined to associate risk with potential loss rather than opportunity. They may prefer bank accounts or lower risk investments to higher returning but riskier investments (such as stocks, shares and investment funds). However, they may be willing to take some risk, once the relationship between risk and higher returns has been explained to them. Moderately Cautious Investors are more risk averse than about 70% of the investing population (i.e. compared to 7 people out of 10).

Average

Average Investors have an attitude to risk in the middle 50% of the investing population and are neither very risk averse nor inclined actively to seek riskier investments. They often have some experience and understanding of investments. They can usually make investment decisions without too much hesitation or anxiety. They may find more comfort in bank accounts and lower risk investments than stocks, shares and investment funds, but understand that investment risk may be required to meet their investment goals.

Moderately Adventurous

Moderately Adventurous Investors usually have some experience and understanding of investments. They tend to make investment decisions fairly quickly and are not generally anxious about the investment decisions they have made. They normally view risk as a source of opportunity rather than a threat and will understand how taking investment risk can help meet their investment goals. The potentially higher returns from higher investment risk will make investing in stocks, shares and investment funds more appealing than lower risk investments and bank deposits. Moderately adventurous investors are more tolerant of risk than about 80% of the investing population (i.e. compared to 8 people in 10).

Adventurous

Adventurous Investors often have substantial experience and understanding of investments. They usually make investment decisions quickly and are not likely to be anxious about the investment decisions they have made. They typically view risk as a source of opportunity rather than a threat and will understand how taking investment risk can help meet their investment goals. They are comfortable investing in stocks, shares and investment funds and prefer riskier, but potentially higher returning, investments to keeping money in bank deposits. Adventurous Investors are more risk tolerant than about 95% of the investing population (i.e. compared to 95 people out of 100).

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