Once you have assessed your risk appetite and determined your investment goals , you can begin to narrow down your fund selection and choose the funds to put in your account. You can choose from equity funds, bond funds or multi-asset/total return funds. You can make your investment using an OEIC, a SICAV, or an investment trust.
Equity funds invest in the shares of a broad selection of companies, with investment decisions taken by professional fund managers. They are primarily used by investors looking to access the long-term growth potential of global stock markets, although some equity funds also produce a regular income.
Bonds are issued by governments, companies and other borrowers to raise money for a certain period of time. In return, the borrower pays the bond holder a regular income over the lifetime of the bond and promises to repay the lender when the bond matures. Bond funds can invest in bonds issued by a range of different borrowers, including governments and companies. They can be used by investors looking to generate a regular income, or for capital growth.
Multi-asset and total return funds can invest in equities, bond and other markets in an attempt to spread risk and take advantage of a wider range of investment opportunities. They can focus on long-term positive returns or on producing a regular income.
The majority of the equity, bond and multi-asset/total return funds that we offer are open-ended funds, such as OEICs and SICAVs. However, we also offer access to investment trusts.