Ready-made funds

Low risk fund

This is the lowest risk fund in the range with an emphasis towards low risk assets, such as bonds.  The low risk fund invests at least 70% of its value in bonds.

The long term asset mix is made up of 78% bonds, 20% shares and 2% cash. 

More details - Personal Portfolio Defensive Fund (PDF, 139 KB)

Low to medium risk fund

As the risk increases, the amount invested in lower risk investments, such as bonds reduces.  The low to medium risk fund invests at least 50% of its value in bonds.

The long term asset mix is made up of 58% bonds, 40% shares and 2% cash.

More details - Personal Portfolio Cautious Fund (PDF, 139 KB)

Medium risk fund

The medium risk fund has an increasing exposure to higher risk investments, such as shares.  The medium risk fund invests at least 45% of its value in shares.

The long term asset mix is made up of 43% bonds, 55% shares and 2% cash. 

More details - Personal Portfolio Balanced Fund (PDF, 139 KB)

Medium to high risk fund

As risk increases further, so does the exposure to shares.  The medium to high risk fund invests at least 65% of its value in shares.

The long term asset mix is made up of 23% bonds, 75% shares and 2% cash. 

More details - Personal Portfolio Ambitious Fund (PDF, 139 KB)

High risk fund

This is the highest risk fund in the range with the greatest emphasis on higher risk assets, such as shares.  The high risk fund invests at least 90% of its value in shares. As the risk profile increases to a high level, so does the feasibility of a large return or a larger capital loss. 

The long term asset mix is made up of 98% shares and 2% cash. 

More details - Personal Portfolio Adventurous Fund (PDF, 138 KB)