Passive

Within the Passive range, there are 2 options available to investors

• Passive portfolios
• Passive ESG portfolios

As well as adhering to our fundamental investment principles there are 3 key elements taken into account when we construct the Passive portfolios.

• Multi-asset – Our portfolios will contain a blend of two asset classes being fixed income and equities. This diversification helps reduce risk by ensuring that your portfolio is not overly dependent on the performance of one single asset. If one asset class experiences a downturn, the other may perform better, helping to balance potential losses. Additionally, different asset classes often respond differently to economic and market conditions, providing a buffer against volatility and market shocks. By investing in multiple assets, you create a more stable, resilient portfolio that can help protect your financial goals in both good times and bad.
• Multi-manager – to alleviate manager risk our portfolios will consist of investment funds provided by many different fund managers. This diversification of management styles helps mitigate the risk that comes with relying on a single manager’s judgment or strategy. 
• Cost Control – We believe that portfolio costs play a hugely important role in the long term returns an investor receives and controlling portfolio costs is essential to maximizing your returns, preserving your capital, and ensuring long-term investment success.

Passive Range

Our Passive portfolios offer a range of 5 risk rated portfolios.

Passive ESG Range

ESG is an acronym for environmental, social and governance. As a company we recognise the important role that finance plays in tackling some of the world’s biggest issues but also understand that these topics are open to huge amounts of subjectivity.

Our Passive ESG range offers 5 risk rated portfolios with the very simple mantra to ‘do less harm’ than a conventional investment portfolio that does not consider these issues. As such, any investment fund within the portfolio will be labelled as ‘suitable’ for an investor with these preferences.

If you prioritise these issues above other factors, then these portfolios may be suitable for you, but it is important to understand that exposures to perceived harmful sectors will still exist within the portfolio and will not be totally removed.