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Is this approach right for you?

Adventurous and for the ambitious. This is the highest risk choice out of our three approaches, aiming for higher returns.

This fund has some sustainability characteristics due to being responsibly invested. Sustainable investment labels help UK investors find funds that have a specific sustainability goal. This fund doesn't have a UK sustainable investment label because it doesn't have a specific sustainability goal.


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Highlights

Takes more risk

Likely to be a 'bumpier' ride than with lower risk investments.

Aims for higher growth

Higher potential to grow your money in the longer term.

All done for you

Managed for you by our dedicated team of investment experts. All in one neatly packaged approach.

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How your money's invested

Typically 90% of your money goes into higher risk investments with higher potential returns and 10% into lower risk investments with lower potential returns.

Our experts review this mix regularly within the adjustment range, for higher growth potential.

Investment Mix

Adjustment rangeThe adjustment range gives our experts the flexibility to make investment changes based on their assessment of the market outlook, but they always aim to stick to the balance of risk and reward for the approach.

  • Typically 90%

    invested for higher potential returns with higher risk

  • Typically 10%

    invested for lower risk with lower potential returns

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.

Where your money's invested

Our experts manage the mix of investments, within the adjustment range and to achieve the approach objectives.

Here’s the detail at 31 March 2025.

Key:
Higher riskShares (emerging markets): 18%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 59%
Higher riskBonds (emerging markets): 2%
Higher riskBonds (high yield): 5%
Lower riskGlobal corporate bonds: 2%
Lower riskUK corporate bonds: 1%
Lower riskGlobal government bonds: 0%
Lower riskUK Government bonds (Gilts): 0%
Lower riskShort maturity bonds: 0%
Lower riskCash: 1%

Higher risk

  • 18% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 5% - Real estate investment trusts
  • 59% - Shares (overseas developed)
  • 2% - Bonds (emerging markets)
  • 5% - Bonds (high yield)

Lower risk

  • 1% - Cash
  • 0% - Short maturity bonds
  • 0% - UK Government bonds (Gilts)
  • 0% - Global government bonds
  • 1% - UK corporate bonds
  • 2% - Global corporate bonds
What do these terms mean?

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.

The following is up-to-date as of 31 March 2025.

  1. iShares MSCI Emerging Markets ESG Enhanced Units ETF
  2. iShares MSCI USA ESG Enhanced UCITS ETF
  3. iShares Continental European Equity ESG Index Fund
  4. abrdn Evolve World Equity Fund
  5. abrdn Evolve American Equity Fund
  6. iShares UK Equity ESG Index Fund
  7. iShares MSCI Japan ESG Enhanced UCITS ETF
  8. abrdn Global REIT Tracker Fund
  9. abrdn Asia Pacific ex-Japan Tracker Fund
  10. abrdn SICAV I - Global High Yield Sustainable Bond Fund
How the fund is invested

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.

Here's the detail at 31 March 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Mar-20: £10,000
    Mar-20: £10,000
    2020
  • Apr-20: £10,678
    Apr-20: £10,737
  • May-20: £11,273
    May-20: £11,298
  • Jun-20: £11,648
    Jun-20: £11,603
  • Jul-20: £11,491
    Jul-20: £11,545
  • Aug-20: £11,832
    Aug-20: £11,900
  • Sep-20: £11,894
    Sep-20: £11,930
  • Oct-20: £11,714
    Oct-20: £11,697
  • Nov-20: £12,725
    Nov-20: £12,532
  • Dec-20: £12,986
    Dec-20: £12,758
  • Jan-21: £13,001
    Jan-21: £12,651
    2021
  • Feb-21: £12,993
    Feb-21: £12,662
  • Mar-21: £13,372
    Mar-21: £13,061
  • Apr-21: £13,797
    Apr-21: £13,486
  • May-21: £13,742
    May-21: £13,375
  • Jun-21: £14,133
    Jun-21: £13,844
  • Jul-21: £14,112
    Jul-21: £13,882
  • Aug-21: £14,515
    Aug-21: £14,271
  • Sep-21: £14,342
    Sep-21: £13,998
  • Oct-21: £14,498
    Oct-21: £14,370
  • Nov-21: £14,607
    Nov-21: £14,520
  • Dec-21: £14,892
    Dec-21: £14,690
  • Jan-22: £14,073
    Jan-22: £14,173
    2022
  • Feb-22: £13,859
    Feb-22: £13,842
  • Mar-22: £14,416
    Mar-22: £14,236
  • Apr-22: £14,096
    Apr-22: £13,755
  • May-22: £13,900
    May-22: £13,722
  • Jun-22: £13,217
    Jun-22: £13,132
  • Jul-22: £13,800
    Jul-22: £13,909
  • Aug-22: £13,919
    Aug-22: £13,912
  • Sep-22: £13,176
    Sep-22: £13,177
  • Oct-22: £13,246
    Oct-22: £13,463
  • Nov-22: £13,830
    Nov-22: £13,978
  • Dec-22: £13,642
    Dec-22: £13,394
  • Jan-23: £14,195
    Jan-23: £13,957
    2023
  • Feb-23: £14,114
    Feb-23: £13,773
  • Mar-23: £14,030
    Mar-23: £13,935
  • Apr-23: £14,042
    Apr-23: £13,923
  • May-23: £14,018
    May-23: £13,946
  • Jun-23: £14,290
    Jun-23: £14,294
  • Jul-23: £14,662
    Jul-23: £14,572
  • Aug-23: £14,377
    Aug-23: £14,417
  • Sep-23: £14,273
    Sep-23: £14,309
  • Oct-23: £13,845
    Oct-23: £14,009
  • Nov-23: £14,477
    Nov-23: £14,628
  • Dec-23: £15,131
    Dec-23: £15,197
  • Jan-24: £15,145
    Jan-24: £15,275
    2024
  • Feb-24: £15,516
    Feb-24: £15,863
  • Mar-24: £15,985
    Mar-24: £16,307
  • Apr-24: £15,786
    Apr-24: £15,935
  • May-24: £15,928
    May-24: £16,261
  • Jun-24: £16,384
    Jun-24: £16,674
  • Jul-24: £16,412
    Jul-24: £16,738
  • Aug-24: £16,469
    Aug-24: £16,802
  • Sep-24: £16,668
    Sep-24: £16,874
  • Oct-24: £16,668
    Oct-24: £17,094
  • Nov-24: £17,053
    Nov-24: £17,810
  • Dec-24: £16,896
    Dec-24: £17,652
  • Jan-25: £17,551
    Jan-25: £18,256
    2025
  • Feb-25: £17,281
    Feb-25: £18,020
  • Mar-25: £16,612
    Mar-25: £17,098
2020 2025

March 2020 to
March 2021		March 2021 to
March 2022		March 2022 to
March 2023		March 2023 to
March 2024		March 2024 to
March 2025
This fund33.7%7.9%-2.7%14.0%3.9%
Performance Comparator*30.6%9.0%-2.1%17.0%4.9%
This fund launched in November 2020. To help you compare it with other funds we have replicated the performance of the markets the fund invests in, to indicate what the performance may have been prior to its launch. The simulated return takes into account total annual charges of 0.45% and that the mix of assets are rebalanced once per month, but does not include the separate account fee of 0.30% per year.

*The fund doesn’t use a benchmark as a guide for investing or as a target to beat. But we do use a performance comparator which investors may want to compare the fund’s performance against. This comprises 80% shares and 20% bonds. Shares are represented by the MSCI All Countries World Index GBP, whilst bonds are represented by the Bloomberg Global Aggregate Bond Index – GBP Hedged. The fund invests differently to the performance comparator therefore returns will always be different. For example there are differences in the way the fund is built vs. the comparator, along with the cost of investing, which is included for the fund return, but not the comparator. You cannot invest in the performance comparator.

Source: Lipper, year on year, 31 March 2020 to 31 March 2025, bid to bid with net income reinvested.

Key information

In our important documents you’ll see our Adventurous Growth approach referred to as the Virgin Money Growth Fund 3. Before applying, please make sure you’ve read the following:

Apply for Adventurous Growth approach

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Our other approaches

Learn about our Investment Mix

Careful Defensive approach

To minimise and defend against ups and downs.

View approach

Cautious Growth approach

A slower, cautious approach to growing your money.

View approach

Balanced Growth approach

For higher growth potential, but more ups and downs than with our Cautious Growth approach.

View approach

Want someone else to drive?

Switch to our steered-for-you Navigator pension. It’s like sat nav for your retirement journey.

Explore Navigator
Let someone else do the driving

Got a question?

We've got the answer.

We make things easy to help you understand and choose the approach that’s right for you. There are guides to get you started and if anything needs a bit more explanation, just give us a call on 03455 28 88 52.

We can’t give you financial advice though, so if you need advice you could try:

Use the app or sign in to Online Service and track the performance of your investments – we update your account balance every day. You'll also get a statement every six months.

Yes. It's a good idea to review your investments regularly – and it's simple to switch all or part of your money to a new approach. Just sign in to Online Service and follow the on-screen instructions.

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