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Our in house research team have come up with a range of starter portfolios which are designed to help you get started in deciding where to invest your money. These are a blend of high quality Funds which our team think complement each other.
You can choose between portfolios made up of actively managed Funds, passive Funds or Funds selected to generate an income. We have provided a range of options designed for cautious, balanced and adventurous investors and which are intended to be held for the medium to long term. You can switch between the different types of portfolios below.
Starter portfolios are designed for investors who either have the confidence or who feel that with support they could gain the confidence, to manage their portfolio on an ongoing basis. If you are looking for a solution where you can leave ongoing management of your investments to a professional, take a look at our Multi-Asset Fund options. It is important that you regularly review your investments to ensure they remain appropriate for your needs as we will not manage your portfolio on an ongoing basis. If you are unsure, you should seek regulated financial advice.
Having reviewed the different portfolios, you can either Purchase Funds, or add to a Play Portfolio.
An asset class is a group of securities that exhibit similar characteristics and behave similarly in the marketplace. For the purposes of : explore, they are categorised as either: Alternative, Commodities, Convertibles, Equity, Fixed Income, Money Market and Property
There are a huge variety of Funds on sale in the UK to choose from. The IA’s sectors provide a way of dividing around 2,500 of these Funds into broad groups. As an investor you can then compare Funds in one or more sectors before looking in detail at individual Funds and making your investment decisions.
More information can be found within Sectors & Ratings
Due to new regulations introduced in January 2018, the FMC aims to breakdown all the costs involved in the Fund and so it will typically be higher than the quoted AMC. The FMC will include the Ongoing Charge (OCF) as well as additional transactions cost and performance fees (if applicable).
The Morningstar Category classifications were introduced in 1996 to help investors make comparisons between mutual Funds. It assigns a cateogory based on the underlying securities in each portfolio.
The categories make it easier to build well-diversified portfolios, assess potential risk, and identify top-performing Funds. The Funds are placed in a given category based on their portfolio statistics and compositions over the past three years.
The Morningstar rating or "star rating", is a purely quantitive, retrospective-looking measure of a Fund's past performance. Funds are rated from one to five stars, with the best performers receiving five stars and the worst performers receiving a single star. Star ratings are calculated at the end of every month.
More information can be found within Sectors & Ratings
This is an assessment of the variations in a Fund's monthly returns in comparison to similar Funds.
In each Morningstar Category, the 10% of funds with the lowest measured risk are described as Low Risk, the next 22.5% Below Average, the middle 35% Average, the next 22.5% Above Average, and the top 10% High. Morningstar Risk is measured for up to three time periods (three, five, and 10 years). These separate measures are then weighted and averaged to produce an overall measure for the Fund. Funds with less than three years of performance history are not rated.
Morningstar Sustainability Rating
The Morningstar Sustainability Rating is a measure of how well the holdings in a portfolio are managing their environmental, social, and governance, or ESG, risk and opportunity relative to their Morningstar Category peers. The Sustainability Rating is depicted by globe icons where High equals 5 globes and low equals 1 globe. Sustainability ratings are updated monthly.
More information can be found within Sectors & Ratings
This is the cost of investing in a Fund, expressed as a percentage of the value of your investment. It is used to pay for administration investment management and independent oversight of the Fund. It may also include commission paid to your intermediary.
It has replaced the TER (Total Expense Ratio) for all UCITS Funds and is commonly shown in the Key Investor Information Document (KIID). However, the industry is breaking down the charges further to provide the most accurate cost to invest in a Fund which is known as the Fund Manager Charge (FMC).
The yield is the income return on an investment, such as the interest or dividends received from a holding. The yield is usually expressed as an annual percentage rate.
Portfolios consisting of Funds which are actively managed by professional Fund Managers who decide where and how to invest in line with the Fund’s objectives.
View ActivePortfolios consisting of passively managed Funds. These Funds track the performance of certain markets and indices (for example the FTSE 100).
View PassiveA portfolio of Funds that is designed to provide a reasonable level of regular income with the potential that your capital may grow over time.
View IncomeOur Active - Cautious Portfolio is made up of a range of actively managed funds. The portfolio aims to achieve a modest level of growth with capital preservation a greater priority. This means this portfolio may not perform as well as those with higher exposure to shares, but should offer a better protection to stock market fluctuations although it can still fall as well as rise in value.
Whilst our research team will consider ratings when selecting funds, in order to meet the portfolio objectives and to create an appropriate blend of investment types, some of the chosen funds may not have a Morningstar Rating or Morningstar Analyst Rating.
| Fund Name | IA Sector | FMC | Weighting | Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
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| Fundsmith Equity I Acc | Global | 1.0100 | 10% |
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| Invesco Corporate Bond (UK) Z Acc | £ Corporate Bond | 0.7400 | 25% |
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| Janus Henderson Strategic Bond I Acc | £ Strategic Bond | 0.9840 | 30% |
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| M&G Global Dividend I Acc GBP | Global | 0.9955 | 10% |
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| Newton Real Return Inst W Acc | Targeted Absolute Return | 0.9579 | 15% |
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| Trojan Income O Acc | UK Equity Income | 1.1070 | 10% |
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| 0.9351 | 100% |
The Cautious portfolio has the greatest exposure to bonds and other investments which aim to offer some capital preservation and which tend to be less volatile than shares. The portfolio also has some exposure to stock markets but does this through a greater exposure to funds which target companies producing an income as these are typically less volatile. The most important factor is to protect investor’s capital, but the combination aims to offer the potential for capital growth, whilst looking to reduce the volatility of the portfolio
Having reviewed the pre-selected portfolios of Funds, you should consider what is the most appropriate risk profile for your own circumstances.
Once you have made this choice, you can now choose one of the following actions:
Our Active - Moderate Portfolio is made up of a range of actively managed funds and aims to generate modest capital growth, but not at all costs. To achieve this, the funds chosen have a mix of investments including in higher risk areas as well as some lower risk assets. As such the value of your investments can still fall as well as rise.
Whilst our research team will consider ratings when selecting funds, in order to meet the portfolio objectives and to create an appropriate blend of investment types, some of the chosen funds may not have a Morningstar Rating or Morningstar Analyst Rating.
| Fund Name | IA Sector | FMC | Weighting | Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
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|---|---|---|---|---|---|---|---|
| Fundsmith Equity I Acc | Global | 1.0100 | 10% |
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| Janus Henderson Strategic Bond I Acc | £ Strategic Bond | 0.9840 | 35% |
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| M&G Global Dividend I Acc GBP | Global | 0.9955 | 20% |
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| Newton Real Return Inst W Acc | Targeted Absolute Return | 0.9579 | 10% |
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| Schroder Recovery Z Acc | UK All Companies | 1.0279 | 15% |
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| Standard Life Investments Global Smaller Companies Inst Acc | Global | 0.9759 | 10% |
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| 0.9921 | 100% |
The moderate portfolio has a mixture of shares, bonds and other investments which aim to offer some capital preservation in volatile markets. The funds offer a broad exposure to global stock markets and include both growth funds such as smaller companies funds and income funds. The combination aims to offer the potential for capital growth, whilst looking to reduce portfolio volatility and offering investors some protection from falls in the market.
Having reviewed the pre-selected portfolios of Funds, you should consider what is the most appropriate risk profile for your own circumstances.
Once you have made this choice, you can now choose one of the following actions:
Our Active – Adventurous portfolio is made up of a range of actively managed funds. It consists of funds which target higher levels of growth and is likely to be mostly invested in shares. As such the portfolio is likely to have high levels of market volatility. The value of your investments can therefore fall as well as rise.
Whilst our research team will consider ratings when selecting funds, in order to meet the portfolio objectives and to create an appropriate blend of investment types, some of the chosen funds may not have a Morningstar Rating or Morningstar Analyst Rating.
| Fund Name | IA Sector | FMC | Weighting | Morningstar Analyst RatingTM |
Morningstar RatingTM |
Morningstar Sustainability RatingTM |
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|---|---|---|---|---|---|---|---|
| Artemis Global Select I Acc | Global | 1.2202 | 30% |
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| First State Asia Focus B Acc GBP | Asia Pacific Excluding Japan | 1.0040 | 10% |
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| Lazard Emerging Markets S Acc | Global Emerging Markets | 1.0100 | 10% |
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| Merian UK Smaller Companies R Acc GBP | UK Smaller Companies | 1.0828 | 15% |
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| Schroder Recovery Z Acc | UK All Companies | 1.0279 | 15% |
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| Standard Life Investments Global Smaller Companies Inst Acc | Global | 0.9759 | 20% |
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| 1.0793 | 100% |
The adventurous portfolio has the largest exposure to riskier investments such as shares. Within this the funds selected invest in some of the riskiest areas of the market including Emerging Markets, Asian equities and smaller companies. All of these areas offer the potential for significant growth but with likelihood of greater volatility in the prices. The portfolio is diversified across number of countries to reduce risk.
Having reviewed the pre-selected portfolios of Funds, you should consider what is the most appropriate risk profile for your own circumstances.
Once you have made this choice, you can now choose one of the following actions:
Willis Owen Limited does not offer or provide advice as to the suitability of investments, if you are unsure whether an investment is suitable for you or require advice you should obtain 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. You may not necessarily get back the amount you invested.
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