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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 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.


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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.

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.

Enter your investment amount

You can choose to invest with a one-off payment, regular monthly payment, transfers from existing investment accounts, or a combination of these.

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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 December 2023.

Key:
Higher riskShares (emerging markets): 18%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 60%
Higher riskBonds (emerging markets): 0%
Higher riskBonds (high yield): 3%
Lower riskGlobal corporate bonds: 3%
Lower riskUK corporate bonds: 1%
Lower riskGlobal government bonds: 0%
Lower riskUK Government bonds (Gilts): 0%
Lower riskShort maturity bonds: 0%
Lower riskCash: 3%

Higher risk

  • 18% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 5% - Real estate investment trusts
  • 60% - Shares (overseas developed)
  • 0% - Bonds (emerging markets)
  • 3% - Bonds (high yield)

Lower risk

  • 3% - 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?

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 December 2023.

  1. abrdn Sustainable Index World Equity Fund
  2. iShares MSCI Emerging Markets ESG Enhanced Units Fund
  3. iShares MSCI USA ESG Enhanced Fund
  4. iShares Continental European Equity ESG Index Fund
  5. iShares MSCI Japan ESG Enhanced Fund
  6. iShares UK Equity ESG Index Fund
  7. abrdn Sustainable Index American Equity Fund
  8. abrdn European Equity Tracker Fund
  9. Aberdeen Standard Liquidity Fund
  10. Amundi Index FTSE EPRA NAREIT Global 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 December 2023.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Dec-18: £10,000
    Dec-18: £10,000
  • Jan-19: £10,445
    Jan-19: £10,418
    2019
  • Feb-19: £10,598
    Feb-19: £10,581
  • Mar-19: £10,865
    Mar-19: £10,848
  • Apr-19: £11,084
    Apr-19: £11,062
  • May-19: £10,909
    May-19: £10,911
  • Jun-19: £11,535
    Jun-19: £11,548
  • Jul-19: £11,823
    Jul-19: £11,851
  • Aug-19: £11,714
    Aug-19: £11,800
  • Sep-19: £11,744
    Sep-19: £11,784
  • Oct-19: £11,598
    Oct-19: £11,653
  • Nov-19: £11,668
    Nov-19: £11,759
  • Dec-19: £11,847
    Dec-19: £11,912
  • Jan-20: £11,885
    Jan-20: £12,051
    2020
  • Feb-20: £11,448
    Feb-20: £11,743
  • Mar-20: £9,610
    Mar-20: £10,089
  • Apr-20: £10,514
    Apr-20: £11,037
  • May-20: £11,244
    May-20: £11,765
  • Jun-20: £11,559
    Jun-20: £12,055
  • Jul-20: £11,593
    Jul-20: £12,174
  • Aug-20: £11,772
    Aug-20: £12,432
  • Sep-20: £11,946
    Sep-20: £12,545
  • Oct-20: £11,739
    Oct-20: £12,342
  • Nov-20: £12,667
    Nov-20: £13,176
  • Dec-20: £12,929
    Dec-20: £13,320
  • Jan-21: £12,898
    Jan-21: £13,424
    2021
  • Feb-21: £12,960
    Feb-21: £13,478
  • Mar-21: £13,327
    Mar-21: £13,750
  • Apr-21: £13,741
    Apr-21: £14,055
  • May-21: £13,769
    May-21: £14,054
  • Jun-21: £14,101
    Jun-21: £14,538
  • Jul-21: £14,117
    Jul-21: £14,576
  • Aug-21: £14,518
    Aug-21: £14,952
  • Sep-21: £14,126
    Sep-21: £14,659
  • Oct-21: £14,653
    Oct-21: £15,125
  • Nov-21: £14,668
    Nov-21: £15,095
  • Dec-21: £14,940
    Dec-21: £15,499
  • Jan-22: £14,336
    Jan-22: £14,866
    2022
  • Feb-22: £13,867
    Feb-22: £14,426
  • Mar-22: £14,367
    Mar-22: £14,992
  • Apr-22: £14,147
    Apr-22: £14,448
  • May-22: £13,899
    May-22: £14,404
  • Jun-22: £13,232
    Jun-22: £13,973
  • Jul-22: £13,924
    Jul-22: £14,519
  • Aug-22: £13,859
    Aug-22: £14,621
  • Sep-22: £13,075
    Sep-22: £13,962
  • Oct-22: £13,425
    Oct-22: £14,226
  • Nov-22: £14,017
    Nov-22: £14,457
  • Dec-22: £13,696
    Dec-22: £14,103
  • Jan-23: £14,357
    Jan-23: £14,785
    2023
  • Feb-23: £14,245
    Feb-23: £14,575
  • Mar-23: £14,146
    Mar-23: £14,692
  • Apr-23: £14,095
    Apr-23: £14,686
  • May-23: £14,058
    May-23: £14,703
  • Jun-23: £14,428
    Jun-23: £15,127
  • Jul-23: £14,711
    Jul-23: £15,393
  • Aug-23: £14,484
    Aug-23: £15,266
  • Sep-23: £14,292
    Sep-23: £15,110
  • Oct-23: £13,967
    Oct-23: £14,919
  • Nov-23: £14,569
    Nov-23: £15,540
  • Dec-23: £15,179
    Dec-23: £16,045
2018 2023

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 fund18.5%9.0%14.8%-8.4%11.0%
Performance Comparator*19.1%11.8%15.5%-8.5%13.9%
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 December 2018 to 31 December 2023, 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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We can’t give you financial advice though, so if you need advice you could try:

Our ready-made investment approaches put your money into a wide range of investments, so you only need one. Just choose the approach that gives you the mix of risk and potential reward you're happy with – and we'll do the rest.

If your needs change after you've opened your account, it's simple to switch to a different approach or add a new one.

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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