The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
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Personal Portfolio Defensive Fund
Low risk fund
- This is the lowest risk fund in the range with an emphasis towards low risk assets, such as bonds. The low risk fund invests at least 70% of its value in bonds.
- The long-term asset mix is made up of 78% bonds, 20% shares and 2% cash.
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Personal Portfolio Cautious Fund
Low to medium risk fund
- As the risk increases, the amount invested in lower risk investments, such as bonds reduces. The low to medium risk fund invests at least 50% of its value in bonds.
- The long-term asset mix is made up of 58% bonds, 40% shares and 2% cash.
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Personal Portfolio Balanced Fund
Medium risk fund
- The medium risk fund has an increasing exposure to higher risk investments, such as shares. The medium risk fund invests at least 45% of its value in shares.
- The long-term asset mix is made up of 43% bonds, 55% shares and 2% cash.
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Personal Portfolio Ambitious Fund
Medium to high risk fund
- As risk increases further, so does the exposure to shares. The medium to high risk fund invests at least 65% of its value in shares.
- The long-term asset mix is made up of 23% bonds, 75% shares and 2% cash.
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Personal Portfolio Adventurous Fund
High risk fund
- This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as shares. The high-risk fund invests at least 90% of its value in shares. As the risk profile increases to a high level, so does the feasibility of a large return or a larger capital loss.
- The long-term asset mix is made up of 98% shares and 2% cash.
The funds' asset mix allocation may vary but will always be consistent with their objective.
Each illustration shows long term asset mix, effective from November 2022.