Retirement Planning Guide |
Planning for retirement can seem like a daunting task but it is important to think about how you are going to support yourself financially in your later years.
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An ethical fund is an investment that is designed to be socially or environmentally conscious. Ethical funds have different guidelines about what is acceptable, so it is important to find one that matches your personal philosophy. To help you decide, have a look at the factsheets where you can find more information about each option.
You can find out what each of the table headings mean here.
| Fund Name | IA Sector | Investment Charge(%)* |
Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
ISA Guide Fund |
Factsheet | |
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| ASI UK Ethical Equity Inst A | UK All Companies | 0.90 |
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| Royal London Sustainable Leaders Trust C Acc | UK All Companies | 1.07 |
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| Stewart Investors Worldwide Sustainab. B Acc GBP | Global | 0.84 |
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*The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated with the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.
Growth funds aim to grow the value of your capital. The funds in our list mainly invest in equities, allowing investors to share in the growth of a number of businesses. Fund managers can achieve growth in a number of different ways. Some buy companies whose true value they believe to be more than the current share price (value companies). Others look for companies with above average growth prospects. Not all funds in this space pay a dividend, as this is not necessarily their objective.
To help you decide which is right for you, have a look at the factsheets where you can find more information about each option.
You can find out what each of the table headings mean here.
| Fund Name | IA Sector | Investment Charge(%)* |
Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
ISA Guide Fund |
Factsheet | |
|---|---|---|---|---|---|---|---|---|
| Artemis Global Select I Acc | Global | 1.61 |
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| Artemis US Select I Acc GBP | North America | 1.60 |
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| ASI Global Smaller Companies Inst Acc | Global | 1.08 |
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| BlackRock Gold & General D Acc | Specialist | 1.63 |
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| BNY Mellon Real Return Inst W Acc | Targeted Absolute Return | 1.13 |
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| Fidelity Emerging Markets W Acc | Global Emerging Markets | 1.94 |
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| Franklin UK Mid Cap W Acc | UK All Companies | 1.11 |
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| FSSA Asia Focus B Acc GBP | Asia Pacific Excluding Japan | 1.03 |
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| Fundsmith Equity I Acc | Global | 0.99 |
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| Invesco Asian (UK) Z Acc | Asia Pacific Excluding Japan | 1.25 |
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| JPM Japan C Acc | Japan | 1.33 |
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| Jupiter UK Smaller Companies I Acc GBP | UK Smaller Companies | 1.22 |
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| Man GLG Undervalued Assets Professional C Acc | UK All Companies | 1.44 |
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| MI Somerset Global Emerging Markets B Acc GBP | Global Emerging Markets | 1.01 |
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| Schroder European Z Acc | Europe Excluding UK | 1.45 |
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| T. Rowe Price US Large Cap Growth Equity C Acc | North America | 0.89 |
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| Threadneedle UK ZNA GBP | UK All Companies | 1.00 |
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| TM CRUX European Special Situations I Acc GBP | Europe Excluding UK | 1.00 |
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| Trojan X Acc | Flexible Investment | 0.90 |
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*The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated with the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.
These funds aim to provide an income in the form of dividends or interest. As such they will invest in income producing assets such as bonds, property or companies which the fund managers believe offer strong prospects to pay dividends. The amount of any income may fall as well as rise and so too may the value of your investment. To help you decide, have a look at the factsheets where you can find more information about each option.
You can find out what each of the table headings mean here.
| Fund Name | IA Sector | Investment Charge(%)* |
Yield(%) | Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
ISA Guide Fund |
Factsheet | |
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| Artemis Strategic Bond I Monthly Inc | £ Strategic Bond | 0.65 | 2.30 |
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| AXA Global High Income Z Gr Inc | £ High Yield | 1.06 | 4.69 |
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| Baillie Gifford Japanese Income Growth B Inc | Japan | 0.51 | 2.23 |
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| BlackRock Continental European Income D Inc | Europe Excluding UK | 1.23 | 3.01 |
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| Fidelity Global Dividend W Inc | Global Equity Income | 1.11 | 2.31 |
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| Fidelity Global Dividend W Monthly Inc | Global Equity Income | 1.11 | 2.81 |
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| First Sentier Global Listed Infrastructure B Inc GBP | Global | 1.16 | 2.48 |
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| Janus Henderson Strategic Bond I Inc | £ Strategic Bond | 0.95 | 3.60 |
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| JOHCM UK Equity Income Y Inc | UK Equity Income | 1.04 | 3.66 |
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| JPM US Equity Income C Inc | North America | 0.90 | 1.93 |
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| M&G Global Dividend I Inc GBP | Global | 0.73 | 2.86 |
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| M&G Global Macro Bond I Inc GBP | Global Mixed Bond | 0.84 | 1.53 |
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| Man GLG Income D Professional Inc | UK Equity Income | 1.79 | 4.58 |
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| Royal London Corporate Bond M Inc | £ Corporate Bond | 0.54 | 3.41 |
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| Schroder Asian Income Z Inc | Asia Pacific Excluding Japan | 1.07 | 3.06 |
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| Threadneedle UK Equity Income ZNI GBP | UK Equity Income | 0.88 | 2.93 |
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*The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated with the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.
These track or closely follow the performance of a particular market index (for example, the FTSE 100). So if the index rises, the fund will too, and vice-versa. Passive funds tend to be low cost as there is little research and day-to-day investment decisions are often automated. To help you decide, have a look at the factsheets where you can find more information about each option.
You can find out what each of the table headings mean here.
| Fund Name | IA Sector | Investment Charge(%)* | Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
ISA Guide Fund |
Factsheet | |
|---|---|---|---|---|---|---|---|---|
| Fidelity Index Emerging Markets P Acc | Global Emerging Markets | 0.52 |
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| HSBC FTSE All Share Index C Acc | UK All Companies | 0.10 |
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| HSBC Japan Index C Acc | Japan | 0.06 |
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| iShares Corporate Bond Index (UK) D Acc | £ Corporate Bond | 0.14 |
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| iShares Overseas Corporate Bond Index (UK) D Acc | Global Corporate Bond | 0.21 |
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| iShares Pacific ex Japan Equity Index (UK) D Acc | Asia Pacific Excluding Japan | 0.27 |
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| iShares UK Equity Index (UK) D Acc | UK All Companies | 0.20 |
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| L&G Global Real Estate Dividend Index I Acc | Property Other | 0.25 |
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| L&G International Index Trust I Acc | Global | 0.13 |
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| L&G US Index Trust I Acc | North America | 0.12 |
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| Vanguard FTSE Developed World ex-UK Equity Index Acc GBP | Global | 0.16 |
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*The investment charge aims to show how much it costs to invest in the fund, expressed as an annual percentage of the value of your investment. It includes all the underlying costs associated with the running of the fund including those incurred by the fund manager when buying and selling investments. The investment charge is paid to the fund manager and is separate to the Willis Owen service fee.
We don’t provide advice as to whether an investment is suitable for you. Before investing you should make sure you understand the risks involved and, if you’re unsure, seek expert financial advice.
Past performance of an investment is not a guide to future performance, the value of investments or income from them may go down as well as up and you may get back less than you originally invested. Tax treatment depends on your individual circumstances and may change.
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