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Mutual Funds Selector - Cautious

  • Cautious

    I am hoping to grow my money moderately over time and am ready to take a small amount of risk but am not willing to take too much risk or lose too much of the capital I have invested. I would prefer a less bumpy journey and understand that this may result in lower returns. I am willing to invest for at least five years.

Jupiter Distribution

This fund aims to provide long-term capital accumulation as well as providing a sustainable and rising level of income. Distributions will be made on a monthly basis with the aim of paying a broadly consistent level of income each month. However, this is not guaranteed and payments may fluctuate. The fund will be split with broadly 70% in fixed income and 30% in equities although the managers will adjust the asset mix to reflect their views of investment conditions and opportunities.

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BNY Mellon Real Return

(Formerly known as Newton Real Return)

This fund aims to provide real (i.e. above inflation) returns, with a target to deliver returns at least 3.25% a year ahead of cash over five years. Alongside this, it aims to achieve a positive absolute return on a rolling three-year basis, although this is not guaranteed and the fund could lose money at times. The fund has a diversified core of investments including equities and bonds which should deliver long-term returns. These are complemented by other investments designed to protect the portfolio during adverse market events and to manage risk by reducing volatility and capital drawdowns.

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L&G Multi Index 4

The fund aims to provide capital accumulation from a combination of income and growth over the longer-term whilst seeking to control risk. The fund benefits from an experienced team of managers who structure the fund around their long-term forecasts for asset class returns and risk. On a risk scale of one to ten (with ten being the highest risk), the managers class this fund as a four. Alongside their long-term positioning, the L&G team make more dynamic changes to the portfolio based on their views over a shorter time horizon of one to five years. This fund invests predominantly into passive funds which has the benefit of helping to reduce its cost to investors.

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I would prefer a less bumpy journey and understand that this may result in lower returns. I am willing to invest for at least 5 years.

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I understand the journey may be bumpy but would prefer it not to be too rough. I am willing to invest for a reasonable timeframe (at least 5-7 years).

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I understand that adventurous investing may mean taking a bumpier path with the hope of higher returns at the end. I am prepared to invest over a longer time horizon (at least 7-10 years).

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The mutual funds selector is provided to Selftrade by Square Mile Investment Consulting Research Limited, an independent research firm. The value of investments can fall as well as rise and any income from them is not guaranteed and you may get back less than you invested. Past performance is not a guide to future performance. Neither Selftrade or Square Mile provide advice or make recommendations about investments. If you have any doubts about the suitability of an investment, you should seek advice from a suitably qualified professional adviser.