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At a glance

Balancing caution and adventure. The middle risk choice out of our three growth approaches.

 

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.


Download key information

Highlights

Balances risk and reward

Likely to be a bit more of a 'bumpy' ride than lower risk investments.

Aims for steady growth

A balanced approach to growing 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.

How your money's invested

Typically 70% of your money goes into higher risk investments with higher potential returns and 30% 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 70%

    invested for higher potential returns with higher risk

  • Typically 30%

    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 30 September 2025.

Key:
Higher riskShares (emerging markets): 7%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 4%
Higher riskShares (overseas developed): 51%
Higher riskBonds (emerging markets): 5%
Higher riskBonds (high yield): 7%
Lower riskGlobal corporate bonds: 8%
Lower riskUK corporate bonds: 1%
Lower riskGlobal government bonds: 2%
Lower riskUK Government bonds (Gilts): 1%
Lower riskShort maturity bonds: 5%
Lower riskCash: 2%

Higher risk

  • 7% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 4% - Real estate investment trusts
  • 51% - Shares (overseas developed)
  • 5% - Bonds (emerging markets)
  • 7% - Bonds (high yield)

Lower risk

  • 2% - Cash
  • 5% - Short maturity bonds
  • 1% - UK Government bonds (Gilts)
  • 2% - Global government bonds
  • 1% - UK corporate bonds
  • 8% - 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.

Top holdings

The following is up-to-date as of 30 September 2025.

  1. abrdn Evolve World Equity Fund
  2. abrdn Evolve European Equity Index Fund
  3. abrdn Evolve American Equity Fund
  4. abrdn Evolve Asia Pacific ex-Japan Equity Index Fund
  5. iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
  6. abrdn Evolve UK Equity Fund
  7. abrdn SICAV I - Responsible Global High Yield Bond Fund
  8. iShares MSCI Japan ESG Enhanced UCITS ETF
  9. abrdn Global Corporate Bond Screened Tracker Fund
  10. L&G ESG Emerging Markets Government Bond Index 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.

The following is up-to-date as of 30 September 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • 30/09/2020: £10,000
    30/09/2020: £10,000
    2020
  • 31/10/2020: £9,842
    31/10/2020: £9,853
  • 30/11/2020: £10,477
    30/11/2020: £10,393
  • 31/12/2020: £10,648
    31/12/2020: £10,541
  • 31/01/2021: £10,567
    31/01/2021: £10,460
    2021
  • 28/02/2021: £10,542
    28/02/2021: £10,426
  • 31/03/2021: £10,760
    31/03/2021: £10,661
  • 30/04/2021: £11,013
    30/04/2021: £10,928
  • 31/05/2021: £10,977
    31/05/2021: £10,867
  • 30/06/2021: £11,229
    30/06/2021: £11,166
  • 31/07/2021: £11,231
    31/07/2021: £11,223
  • 31/08/2021: £11,470
    31/08/2021: £11,453
  • 30/09/2021: £11,331
    30/09/2021: £11,261
  • 31/10/2021: £11,427
    31/10/2021: £11,478
  • 30/11/2021: £11,502
    30/11/2021: £11,589
  • 31/12/2021: £11,667
    31/12/2021: £11,677
  • 31/01/2022: £11,195
    31/01/2022: £11,323
    2022
  • 28/02/2022: £11,011
    28/02/2022: £11,087
  • 31/03/2022: £11,282
    31/03/2022: £11,262
  • 30/04/2022: £11,048
    30/04/2022: £10,898
  • 31/05/2022: £10,922
    31/05/2022: £10,874
  • 30/06/2022: £10,454
    30/06/2022: £10,481
  • 31/07/2022: £10,824
    31/07/2022: £11,010
  • 31/08/2022: £10,865
    31/08/2022: £10,935
  • 30/09/2022: £10,303
    30/09/2022: £10,408
  • 31/10/2022: £10,385
    31/10/2022: £10,568
  • 30/11/2022: £10,776
    30/11/2022: £10,934
  • 31/12/2022: £10,658
    31/12/2022: £10,556
  • 31/01/2023: £11,031
    31/01/2023: £10,946
    2023
  • 28/02/2023: £10,962
    28/02/2023: £10,792
  • 31/03/2023: £10,925
    31/03/2023: £10,944
  • 30/04/2023: £10,962
    30/04/2023: £10,950
  • 31/05/2023: £10,907
    31/05/2023: £10,950
  • 30/06/2023: £11,044
    30/06/2023: £11,152
  • 31/07/2023: £11,264
    31/07/2023: £11,315
  • 31/08/2023: £11,112
    31/08/2023: £11,220
  • 30/09/2023: £10,974
    30/09/2023: £11,106
  • 31/10/2023: £10,706
    31/10/2023: £10,911
  • 30/11/2023: £11,167
    30/11/2023: £11,363
  • 31/12/2023: £11,656
    31/12/2023: £11,784
  • 31/01/2024: £11,628
    31/01/2024: £11,823
    2024
  • 29/02/2024: £11,797
    29/02/2024: £12,143
  • 31/03/2024: £12,105
    31/03/2024: £12,425
  • 30/04/2024: £11,965
    30/04/2024: £12,161
  • 31/05/2024: £12,068
    31/05/2024: £12,374
  • 30/06/2024: £12,293
    30/06/2024: £12,636
  • 31/07/2024: £12,321
    31/07/2024: £12,732
  • 31/08/2024: £12,437
    31/08/2024: £12,801
  • 30/09/2024: £12,588
    30/09/2024: £12,878
  • 31/10/2024: £12,531
    31/10/2024: £12,959
  • 30/11/2024: £12,767
    30/11/2024: £13,404
  • 31/12/2024: £12,654
    31/12/2024: £13,289
  • 31/01/2025: £13,021
    31/01/2025: £13,644
    2025
  • 28/02/2025: £12,892
    28/02/2025: £13,553
  • 31/03/2025: £12,511
    31/03/2025: £13,019
  • 30/04/2025: £12,387
    30/04/2025: £12,877
  • 31/05/2025: £12,797
    31/05/2025: £13,226
  • 30/06/2025: £13,026
    30/06/2025: £13,500
  • 31/07/2025: £13,417
    31/07/2025: £13,896
  • 31/08/2025: £13,497
    31/08/2025: £13,955
  • 30/09/2025: £13,910
    30/09/2025: £14,329
2020 2025

September 2020 to
September 2021		September 2021 to
September 2022		September 2022 to
 September 2023		September 2023 to
September 2024		September 2024 to
September 2025
This fund13.3%-8.9%6.8%14.6%10.2%
Performance Comparator*12.6%-7.6%6.7%16.0%11.3%
This fund changed strategy in October 2021. 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 the strategy change. The simulated return takes into account the current annual charge 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 60% shares and 40% 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, it runs from 30 September 2020 to 30 September 2025, bid to bid with net income reinvested.

Key information

In our important documents you’ll see our Balanced Growth approach referred to as the Virgin Money Growth Fund 2. Before applying, please make sure you’ve read the following:

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