How your money's invested
This fund provides the greatest geographic diversity of all our funds and invests 100% in funds with higher potential returns but with higher level of risk (like shares).
Our experts review this mix regularly considering the economic outlook for each geographic region.
Typical mix
- 60% North America
- 12% Europe (excluding UK)
- 6% Japan
- 4% UK
- 18% The rest, other areas including emerging markets
Remember, the value of investments can go up and down, so you may get back less money than you put in. Tax depends on your individual circumstances and the regulations may change in the future.
What do these terms mean?
Close ModalBonds: These are like IOUs, used by companies and governments to raise money. The buyer effectively lends money to the seller, in return for interest on their investment over a set amount of time. When that time’s up, the value is paid back.
Gilts: These are just a type of bond. But instead of lending money to a company, it’s lent to the UK Government.
Shares: A share is a tiny bit of a company. Share owners are called shareholders. If a company does well, shareholders are rewarded with a proportion of the profits, paid out as dividends. The value of shares rises and falls according to the company’s performance, and other factors.
Real estate investment trusts (REITs): These are pools of money gathered by a company from investors. They’re used to buy, manage or invest in property and land (real estate) to generate income – a way of investing in commercial property without needing millions.
How the fund invests
Your money is invested in a group of funds, rather than directly in stocks and shares. This is known as a fund of funds.
Top fundsThe following is up-to-date as of 31 December 2023.
| Amount invested | Fund |
|---|---|
| 18.1% | iShares MSCI USA ESG Enhanced UCITS ETF |
| 18.0% | abrdn Sustainable Index American Equity |
| 17.8% | iShares US Equity ESG Index |
| 17.4% | iShares MSCI EM ESG ETF |
| 9.1% | iShares Continental European Equity ESG |
| 7.0% | iShares MSCI Japan ESG Enhanced |
| 6.1% | L&G Future World ESG North America Index |
| 4.0% | iShares EM Equity ESG Index |
| 1.0% | abrdn Asia ex-Japan Equity Tracker |
| 1.0% | abrdn Sustainable Index UK Equity |
Which regions?
| Amount invested | Region |
|---|---|
| 60.3% | North America |
| 21.5% | Emerging Markets |
| 9.1% | Europe (Excluding UK) |
| 7.0% | Japan |
| 1.0% | Asia (Excluding Japan) |
| 1.0% | UK |
What you could've earned already
The graph below gives you an indication of how much you could've earned, after charges, if you had invested £10,000 in this approach five years ago. Remember, past performance isn't a reliable guide to future performance.
The following is up-to-date as of 31 December 2023.
-
Dec-18: £10,000Dec-18: £10,000
-
2019Jan-19: £10,442Jan-19: £10,474
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Feb-19: £10,515Feb-19: £10,589
-
Mar-19: £10,809Mar-19: £10,851
-
Apr-19: £11,027Apr-19: £11,050
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May-19: £10,776May-19: £10,814
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Jun-19: £11,300Jun-19: £11,451
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Jul-19: £11,567Jul-19: £11,648
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Aug-19: £11,219Aug-19: £11,379
-
Sep-19: £11,352Sep-19: £11,516
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Oct-19: £11,246Oct-19: £11,403
-
Nov-19: £11,328Nov-19: £11,459
-
Dec-19: £11,701Dec-19: £11,767
-
2020Jan-20: £11,364Jan-20: £11,595
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Feb-20: £10,751Feb-20: £11,033
-
Mar-20: £9,309Mar-20: £9,250
-
Apr-20: £9,898Apr-20: £10,043
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May-20: £10,546May-20: £10,760
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Jun-20: £10,900Jun-20: £11,071
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Jul-20: £10,786Jul-20: £11,080
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Aug-20: £11,009Aug-20: £11,191
-
Sep-20: £11,111Sep-20: £11,379
-
Oct-20: £10,905Oct-20: £11,243
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Nov-20: £12,013Nov-20: £12,357
-
Dec-20: £12,475Dec-20: £12,652
-
2021Jan-21: £12,497Jan-21: £12,861
-
Feb-21: £12,544Feb-21: £12,921
-
Mar-21: £12,814Mar-21: £13,131
-
Apr-21: £13,144Apr-21: £13,363
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May-21: £13,193May-21: £13,542
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Jun-21: £13,435Jun-21: £13,774
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Jul-21: £13,222Jul-21: £13,602
-
Aug-21: £13,572Aug-21: £13,923
-
Sep-21: £13,265Sep-21: £13,577
-
Oct-21: £13,517Oct-21: £13,901
-
Nov-21: £13,404Nov-21: £13,767
-
Dec-21: £13,622Dec-21: £14,030
-
2022Jan-22: £13,238Jan-22: £13,602
-
Feb-22: £12,891Feb-22: £13,295
-
Mar-22: £13,236Mar-22: £13,687
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Apr-22: £13,059Apr-22: £13,390
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May-22: £13,027May-22: £13,470
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Jun-22: £12,375Jun-22: £12,829
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Jul-22: £12,848Jul-22: £13,230
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Aug-22: £12,869Aug-22: £13,260
-
Sep-22: £12,086Sep-22: £12,511
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Oct-22: £12,261Oct-22: £12,757
-
Nov-22: £13,033Nov-22: £13,385
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Dec-22: £12,766Dec-22: £13,262
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2023Jan-23: £13,420Jan-23: £14,001
-
Feb-23: £13,267Feb-23: £13,853
-
Mar-23: £13,170Mar-23: £13,693
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Apr-23: £13,172Apr-23: £13,715
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May-23: £13,019May-23: £13,501
-
Jun-23: £13,231Jun-23: £13,830
-
Jul-23: £13,437Jul-23: £14,153
-
Aug-23: £13,082Aug-23: £13,812
-
Sep-23: £13,094Sep-23: £13,796
-
Oct-23: £12,713Oct-23: £13,485
-
Nov-23: £13,255Nov-23: £14,074
-
Dec-23: £13,761Dec-23: £14,555
| Dec 2018 to Dec 2019 | Dec 2019 to Dec 2020 | Dec 2020 to Dec 2021 | Dec 2021 to Dec 2022 | Dec 2022 to Dec 2023 | |
|---|---|---|---|---|---|
| This fund | 17.0% | 6.0% | 9.5% | -6.3% | 8.0% |
| Benchmark* | 17.7% | 7.5% | 10.3% | -5.1% | 9.9% |
The ongoing charge changed from 0.75% to 0.45% on 6 January 2024. The performance shown is based on the current annual charge, with adjustments made to prior years to reflect the current charging structure for this fund
Source Lipper, total return (income reinvested).
Key information
Before investing please make sure you've read the following:
Investment Mix
Close Modal
- Higher potential returns and risk
- Lower potential returns and risk
The Investment Mix shows you how much of your money typically goes into higher risk investments with higher potential returns, and how much goes into lower risk investments with lower potential returns.
For more info, check out our guide.
Investing money and the risks.Want to check out the performance of another fund?
View our funds