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At a glance

Adventurous and for the ambitious. This is the highest risk choice out of our three growth 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.


Download key information

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.

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 30 September 2024.

Key:
Higher riskShares (emerging markets): 20%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 59%
Higher riskBonds (emerging markets): 0%
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

  • 20% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 5% - Real estate investment trusts
  • 59% - Shares (overseas developed)
  • 0% - 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.

Top holdings

The following is up-to-date as of 30 September 2024.

  1. iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
  2. abrdn Sustainable Index World Equity Fund
  3. iShares Continental European Equity ESG Index Fund
  4. iShares MSCI USA ESG Enhanced Fund
  5. abrdn Sustainable Index American Equity Fund
  6. iShares UK Equity ESG Index Fund
  7. iShares MSCI Japan ESG Enhanced Fund ETF
  8. abrdn Asia Pacific ex-Japan Tracker Fund
  9. Amundi Index FTSE EPRA NAREIT Global Fund
  10. Virgin Money Climate Change 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 30 September 2024.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Sep-19: £10,000
    Sep-19: £10,000
    2019
  • Oct-19: £9,823
    Oct-19: £9,821
  • Nov-19: £9,985
    Nov-19: £10,012
  • Dec-19: £10,093
    Dec-19: £10,092
  • Jan-20: £9,998
    Jan-20: £10,077
  • Feb-20: £9,525
    Feb-20: £9,687
  • Mar-20: £8,482
    Mar-20: £8,810
  • Apr-20: £9,057
    Apr-20: £9,459
  • May-20: £9,562
    May-20: £9,954
  • Jun-20: £9,879
    Jun-20: £10,223
    2020
  • Jul-20: £9,746
    Jul-20: £10,171
  • Aug-20: £10,036
    Aug-20: £10,484
  • Sep-20: £10,088
    Sep-20: £10,511
  • Oct-20: £9,933
    Oct-20: £10,305
  • Nov-20: £10,790
    Nov-20: £11,040
  • Dec-20: £11,013
    Dec-20: £11,240
  • Jan-21: £11,026
    Jan-21: £11,146
  • Feb-21: £11,019
    Feb-21: £11,156
  • Mar-21: £11,341
    Mar-21: £11,507
  • Apr-21: £11,703
    Apr-21: £11,881
  • May-21: £11,656
    May-21: £11,783
  • Jun-21: £11,988
    Jun-21: £12,196
    2021
  • Jul-21: £11,971
    Jul-21: £12,230
  • Aug-21: £12,313
    Aug-21: £12,573
  • Sep-21: £12,167
    Sep-21: £12,333
  • Oct-21: £12,300
    Oct-21: £12,660
  • Nov-21: £12,392
    Nov-21: £12,792
  • Dec-21: £12,635
    Dec-21: £12,942
  • Jan-22: £11,942
    Jan-22: £12,486
  • Feb-22: £11,759
    Feb-22: £12,195
  • Mar-22: £12,232
    Mar-22: £12,542
  • Apr-22: £11,960
    Apr-22: £12,118
  • May-22: £11,795
    May-22: £12,089
  • Jun-22: £11,215
    Jun-22: £11,569
    2022
  • Jul-22: £11,710
    Jul-22: £12,253
  • Aug-22: £11,811
    Aug-22: £12,256
  • Sep-22: £11,180
    Sep-22: £11,609
  • Oct-22: £11,240
    Oct-22: £11,861
  • Nov-22: £11,735
    Nov-22: £12,314
  • Dec-22: £11,577
    Dec-22: £11,800
  • Jan-23: £12,045
    Jan-23: £12,296
  • Feb-23: £11,976
    Feb-23: £12,134
  • Mar-23: £11,905
    Mar-23: £12,276
  • Apr-23: £11,916
    Apr-23: £12,267
  • May-23: £11,896
    May-23: £12,287
  • Jun-23: £12,126
    Jun-23: £12,593
    2023
  • Jul-23: £12,441
    Jul-23: £12,838
  • Aug-23: £12,200
    Aug-23: £12,701
  • Sep-23: £12,112
    Sep-23: £12,607
  • Oct-23: £11,748
    Oct-23: £12,342
  • Nov-23: £12,284
    Nov-23: £12,887
  • Dec-23: £12,840
    Dec-23: £13,389
  • Jan-24: £12,852
    Jan-24: £13,457
    2024
  • Feb-24: £13,166
    Feb-24: £13,975
  • Mar-24: £13,564
    Mar-24: £14,367
  • Apr-24: £13,395
    Apr-24: £14,039
  • May-24: £13,516
    May-24: £14,326
  • Jun-24: £13,902
    Jun-24: £14,690
  • Jul-24: £13,926
    Jul-24: £14,746
  • Aug-24: £13,974
    Aug-24: £14,802
  • Sep-24: £14,143
    Sep-24: £14,865
2019 2024

September 2019 to
September 2020		September 2020 to
September 2021		September 2021 to
September 2022		September 2022 to
September 2023		September 2023 to
September 2024
This fund0.9%20.6%-8.1%8.4%16.9%
Performance Comparator*5.1%17.3%-5.9%8.6%17.9%
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, 30 September 2019 to 30 September 2024, 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:

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