Cautious Accumulation

The Portfolio is designed for those clients that have the following long-term investment characteristics;

  • They are risk adverse

  • They wish to preserve their capital whatever the market conditions

  • They normally associate risk with loss rather than opportunity

  • They are willing to accept a lower investment return that may be more consistent

  • They wish to minimise their investment risk where possible

 
 

Strategy and Composition

To meet the investment aspirations of Cautious investors we use a risk based, multi asset approach as its central theme with a strategic emphasis on Global investment mandates to further diversify risk and provide a consistent, low risk return.

The investment methodology of each selected fund is considered both independently of, and in conjunction with, other funds in the portfolio to ensure that the overall risk rating, performance and ESG criteria is optimised.

The performance of the portfolio and each fund is reviewed at least monthly by the In Partnership Investment Team and Quarterly by the Investment Committee, and rebalances take place automatically.

 The Portfolio currently consists of the following funds:

  • 1.
    FP Russell Investments Multi Asset Growth II C Acc

  • 2.
    L&G Multi-Index 3 I Acc

  • 3.
    LF Prudential Risk Managed Passive 1 P Acc

  • 4.
    Liontrust MA Blended Reserve S Acc TR

  • 5.
    Royal London Sustainable Managed Income Trust C Acc

Asset Allocation of the Model Portfolio

 
15% 7% 44% 7% 22% 5%
 

Performance versus the benchmark

 

In Partnership Model Portfolios

Overcopy

 

Accumulation Portfolios

  • To meet the investment aspirations of Cautious investors we use a risk based, multi asset approach as its central theme with a strategic emphasis on Global investment mandates to further diversify risk and provide a consistent, low risk return. + Read More

  • To meet the investment aspirations of Balanced investors we use a risk based, multi asset approach as its central theme with a strategic emphasis on Global investment mandates to diversify risk and provide capital and income returns.

  • To meet the investment aspirations of Moderately Adventurous investors we use a risk based, multi asset approach as its central theme with a strategic emphasis on Global investment mandates to further diversify risk and a mixture of funds with generally a higher equity exposure to increase investment returns. The selected funds are slightly more growth orientated.

  • To meet the investment aspirations of Adventurous investors we use a risk based, multi asset approach as its central theme with a strategic emphasis on Global investment mandates to further diversify risk and a mixture of funds with a high equity content to increase investment returns. The selected funds are focused upon long term growth.

Income Generating Portfolios

  • To meet the investment aspirations of Moderately Cautious investors who wish to protect their capital whilst generating an income in excess of cash, we use a risk based, multi asset approach as its central theme with a strategic emphasis on those funds that have demonstrated the ability to protect capital and generate a consistent investment return over the long term.

  • To meet the investment aspirations of Cautious investors who wish to protect their capital but also generate an additional level of income and some capital growth, we use a risk based, multi asset approach as its central theme with a strategic emphasis on those funds that have demonstrated the ability to generate a consistently higher level of investment return over the long term whilst minimising investment volatility.

Passive Portfolio

  • To meet the investment aspirations of Balanced investors who prefer to use passive investments we use a risk based, multi index approach as its central theme with a strategic emphasis on Global indexed investment mandates to diversify risk and provide capital and income returns.