Investing for your future

Whether you’re investing to fund your retirement, to cover education costs, or to help the next generation, we can help you to grow your wealth. By understanding your ambitions, your attitude to risk, and your time horizon, we will advise you on the best investment strategy to meet your future needs.
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Aiming to grow your capital

We will invest your money in our range of global multi asset funds, run by our in-house investment experts. Being multi asset means the majority of our funds focus on a blend of asset types (such as shares, bonds and alternative assets) to perform in a range of financial market conditions. We take a top-down approach to investing. That means we look at the whole picture first - what’s going on in the global economy and the geopolitical arena, and how this will likely influence various asset types. 

These actively managed funds are designed to meet different goals and risk tolerances. Your wealth adviser will help you decide which fund (or combination of funds) is best for you, making the most efficient use of your tax allowances and structures such as ISAs and pensions.

What are the options?

Fund diagram
  • Core funds
  • Responsible funds
  • Income funds

Nine out of our ten funds take a ‘multi asset’ approach, which means that they invest in a blend of financial asset types, from shares and government bonds to ‘alternative’ assets.

Our lower risk multi asset funds include a greater proportion of lower risk assets like bonds. Our higher risk multi asset funds include a greater proportion of higher risk assets like shares. Our tenth and highest risk fund – the Adventurous Fund – is designed for our most pro-risk investors, and focuses exclusively on stock markets (shares).

Investing for a different future

For some, investing for your future means thinking about more than financial goals and outcomes. Investing in our responsible funds means pursuing investments in companies, sectors and countries which demonstrate a positive influence on environmental or social themes. Our responsible funds also seek to avoid investing in activities that we consider harmful to the environment or society.

Our responsible funds are actively managed and follow the same investment process as our core funds, but their investments are also assessed against our Responsible Investment Policy.

You can find out much more about our approach to responsible investing by taking a look at our Responsible Investment Policy.

Investing with income in mind

From supporting your retirement to meeting ongoing financial commitments, there are many reasons why you may require a regular income from your investment portfolio.

We offer the choice of a cautious (Income) or balanced (Income Plus) approach, as well as the option to withdraw or reinvest the income received. These funds pay out on a monthly basis, with quarterly ‘top ups’ made to pay out any excess returns.

Important information

It is important to note that financial returns are not assured: there is no guarantee that the funds’ performance objectives will be met, or that a positive return will be delivered over any time period. When you invest, your capital is at risk.

Expert insights to help you grow and preserve wealth

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