Portfolios
The portfolios, from capital preservation through to private markets. Every one lists what it holds and in what proportion.
| Portfolio | Risk | Target p.a. | Minimum | Annual fee | Term | Liquidity | Largest holdings |
|---|---|---|---|---|---|---|---|
|
Conservative
Capital preservation: short and intermediate investment-grade credit, with a small holding in dividend-paying equities. |
2/10 | 4.0–6.0% | 1,000.00 | 0.35% p.a. | 12 months | Monthly |
|
|
Income
Income-oriented: dividend equities, preferred stock, investment-grade credit and listed real estate. |
3/10 | 5.0–7.5% | 2,500.00 | 0.45% p.a. | 12 months | Monthly |
|
|
Balanced
A global equity core balanced against core bonds and real assets. |
4/10 | 6.0–9.0% | 1,000.00 | 0.50% p.a. | 12 months | Monthly |
|
|
Growth
Growth-tilted global equity, with some real assets and credit to steady it. |
6/10 | 8.0–12.0% | 1,000.00 | 0.60% p.a. | 12 months | Monthly |
|
|
Equity Select
Concentrated in large-cap quality companies. |
7/10 | 9.0–14.0% | 5,000.00 | 0.75% p.a. | 18 months | Quarterly |
|
|
Select
Private markets exposure through listed vehicles, restricted to clients who meet an appropriateness threshold. |
8/10 | 10.0–15.0% | 25,000.00 | 1.00% p.a. | 24 months | Quarterly |
|
|
Digital Assets
Six of the largest tokens, held outright: no leverage, no derivatives, no staking, and nothing in it produces income. |
9/10 | 10.0–15.0% | 5,000.00 | 1.50% p.a. | 24 months | Monthly |
|
|
Currency
A basket of the five major currency pairs, held outright. There is no foreign bond behind it: the position is the rate itself. |
5/10 | 3.0–6.0% | 2,500.00 | 0.60% p.a. | 12 months | Monthly |
|
|
Fund Select
Built from index and actively managed funds held off-exchange, priced once a day at the close rather than intraday. |
5/10 | 7.0–11.0% | 2,500.00 | 0.55% p.a. | 12 months | Monthly |
|
Target, not guaranteed
Target range, illustrative only. Not a guarantee, forecast or projection of future returns.
Annual fee
A yearly charge taken from the portfolio itself rather than billed to you. It is already reflected in the price per unit, and it is read from the same setting the platform charges from.
Liquidity
Monthly or quarterly describes how often you can normally sell. A sale settles at the next valuation after it is approved, not on the day you ask.
Not sure which one? The approach page explains how the portfolios differ, and the fees page sets out every charge in one table.