At a glance
Adventurous and for the ambitious. This is the higher risk choice out of our three growth approaches, aiming for higher returns.
Our experts invest your money globally to give it more chances to grow and to spread the risk. They use Environmental, Social and Governance (ESG) considerations to help select what to invest in.
Download Key Information
Takes more risk
Likely to be a much '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.
Investment MixClose 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.
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.
invested for higher potential returns with higher risk
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 2023.
- 18% - Shares (emerging markets)
- 7% - Shares (UK)
- 5% - Real estate investment trusts
- 57% - Shares (overseas developed)
- 0% - Bonds (emerging markets)
- 3% - Bonds (high yield)
- 6% - Cash
- 0% - Short maturity bonds
- 0% - UK Government bonds (Gilts)
- 0% - Global government bonds
- 1% - UK corporate bonds
- 3% - Global corporate bonds
What do these terms mean?Close Modal
Bonds: 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 holdings
The following is up-to-date as of 31 March 2023.
- iShares MSCI Emerging Markets ESG Enhanced Units Fund
- Vanguard US Equity Index
- iShares MSCI USA ESG Enhanced Fund
- abrdn American Equity Tracker
- iShares Continental European Equity ESG Index Fund
- Aberdeen Standard Liquidity Fund
- iShares MSCI Japan ESG Enhanced Fund
- abrdn European Equity Tracker
- Virgin Money UK Index Tracking Trust
- iShares ESG Screened Global Corporate Bond Index Fund
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 2023.
Mar-18: £10,000Mar-18: £10,000
Apr-18: £9,998.24Apr-18: £10,220
May-18: £9,851.61May-18: £10,529.57
Jun-18: £9,540.58Jun-18: £10,553.83
Jul-18: £9,814.16Jul-18: £10,865.17
Aug-18: £9,970.13Aug-18: £11,022.05
Sep-18: £10,090.50Sep-18: £11,023.72
Oct-18: £10,393.48Oct-18: £10,525.23
Nov-18: £10,468.30Nov-18: £10,672.26
Dec-18: £10,451.32Dec-18: £10,115.24
Jan-19: £9,899.05Jan-19: £10,496.67
Feb-19: £10,020.92Feb-19: £10,629.65
Mar-19: £9,470.77Mar-19: £10,956.09
Apr-19: £9,843.61Apr-19: £11,250.48
May-19: £9,956.49May-19: £11,044.34
Jun-19: £10,263.75Jun-19: £11,563.12
Jul-19: £10,529.89Jul-19: £11,974.30
Aug-19: £10,306.93Aug-19: £11,853.09
Sep-19: £10,782.76Sep-19: £11,929.41
Oct-19: £11,146.51Oct-19: £11,718.60
Nov-19: £10,977.92Nov-19: £11,950.37
Dec-19: £11,083.66Dec-19: £12,049.23
Jan-20: £10,883.34Jan-20: £12,034.18
Feb-20: £11,059.83Feb-20: £11,572.21
Mar-20: £11,175.55Mar-20: £10,530.18
Apr-20: £11,066.74Apr-20: £11,310.70
May-20: £10,539.90May-20: £11,907.32
Jun-20: £9,381.97Jun-20: £12,233.02
Jul-20: £10,014.80Jul-20: £12,175.24
Aug-20: £10,569.59Aug-20: £12,553.15
Sep-20: £10,917.25Sep-20: £12,589.07
Oct-20: £10,766.08Oct-20: £12,344.95
Nov-20: £12,477.63Nov-20: £12,477.63Nov-20: £13,229.61
Dec-20: £12,730.87Dec-20: £13,472.66
Jan-21: £12,742.38Jan-21: £13,362.42
Feb-21: £12,730.87Feb-21: £13,377.17
Mar-21: £13,099.21Mar-21: £13,804
Apr-21: £13,513.60Apr-21: £14,257.92
May-21: £13,456.05May-21: £14,146.35
Jun-21: £13,835.90Jun-21: £14,645.77
Jul-21: £13,812.88Jul-21: £14,690.34
Aug-21: £14,204.24Aug-21: £15,105.46
Sep-21: £14,031.58Sep-21: £14,821.92
Oct-21: £14,181.22Oct-21: £15,218.76
Nov-21: £14,284.82Nov-21: £15,380.66
Dec-21: £14,561.08Dec-21: £15,564.86
Jan-22: £13,755.33Jan-22: £15,019.36
Feb-22: £13,548.13Feb-22: £14,672.35
Mar-22: £14,077.63Mar-22: £15,096.88
Apr-22: £13,766.84Apr-22: £14,591.38
May-22: £13,571.15May-22: £14,564.82
Jun-22: £12,892.02Jun-22: £13,943.95
Jul-22: £13,467.56Jul-22: £14,772.20
Aug-22: £13,571.15Aug-22: £14,780.19
Sep-22: £12,845.98Sep-22: £14,005.42
Oct-22: £12,903.53Oct-22: £14,311.83
Nov-22: £13,479.07Nov-22: £14,863.83
Dec-22: £13,283.39Dec-22: £14,248.17
Jan-23: £13,824.39Jan-23: £14,850.08
Feb-23: £13,743.81Feb-23: £14,658.57
Mar-23: £13,651.73Mar-23: £14,838.11
|Mar 2018 to|
|Mar 2019 to|
|Mar 2020 to|
|Mar 2021 to|
|Mar 2022 to|
|Total over 5|
*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 2018 to 31 March 2023, bid to bid with net income reinvested.
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: