What we do with your money

Where your money's invested

The money in your Stocks and Shares ISA is invested in a group of funds, known as a ‘fund of funds’, rather than directly in stocks and shares.

But a fund of funds does ultimately invest in companies. Each fund can buy bits of companies as shares, lend money to them as bonds or use them to invest in things like building projects.

This means, on any given day, your money could be invested in one or more of:

6 regions

Including North America, Europe, UK, Asia Pacific, Japan and emerging markets

11 sectors

Including energy, industrial, IT, healthcare, property and finance

2,000 companies

For example, Microsoft

Investing responsibly

Our investment decisions consider people and the planet. Put simply, we'll invest more in organisations that do good and less in those than do harm. Here's how:

Tilts

A way of balancing investments towards companies run well (positive tilt) and away from those run badly (negative tilt). We do this by using an independent score-based system that tracks the whole of the market.

Exclusions

We invest no more than 0.5% of the fund's value in companies that earn more than 5% of their revenue from tobacco, coal, oil and gas, making controversial weapons or that violate the UN Global Compact principles.

Sustainable investing

Where possible, we'll invest in companies seeking to grow and achieve positive change for people and/or the planet.

What is the Asset allocation?

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:

Shares (emerging markets)

Shares (UK)

Real estate investment trusts

Shares (overseas developed)

Bonds (emerging markets)

Bonds (high yield)

Global corporate bonds

UK corporate bonds

Global government bonds

UK Government bonds (Gilts)

Short maturity bonds

Cash

Higher riskShares (emerging markets): 7%

Higher riskShares (UK): 3%

Higher riskReal estate investment trusts: 2%

Higher riskShares (overseas developed): 19%

Higher riskBonds (emerging markets): 0%

Higher riskBonds (high yield): 4%

Lower riskGlobal corporate bonds: 24%

Lower riskUK corporate bonds: 6%

Lower riskGlobal government bonds: 19%

Lower riskUK Government bonds (Gilts): 0%

Lower riskShort maturity bonds: 15%

Lower riskCash: 1%

Higher risk

7% - Shares (emerging markets)
3% - Shares (UK)
2% - Real estate investment trusts
19% - Shares (overseas developed)
0% - Bonds (emerging markets)
4% - Bonds (high yield)

Lower risk

1% - Cash
15% - Short maturity bonds
0% - UK Government bonds (Gilts)
19% - Global government bonds
6% - UK corporate bonds
24% - Global corporate bonds

What do these terms mean?

Essential reading

Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.

View key investor information Link opens in a new window

How the fund invests

These are the top 10 fund of funds this approach invests in.

abrdn Global Corporate Bond Screened Tracker Fund
abrdn Global Government Bond Tracker Fund
abrdn Sustainable Index World Equity Fund
abrdn Short Dated Sterling Corporate Bond Tracker Fund
iShares MSCI Emerging Markets ESG Enhanced UCITS ETF

iShares ESG Sterling Corporate Bond Index Fund
iShares Continental European Equity ESG Index Fund
abrdn SICAV I - Responsible Global High Yield Bond Fund
Vontobel Fund TwentyFour Sustainable Short Term Bond Fund
L&G ESG Emerging Markets Government Bond Index Fund

What is the Asset allocation?

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:

Shares (emerging markets)

Shares (UK)

Real estate investment trusts

Shares (overseas developed)

Bonds (emerging markets)

Bonds (high yield)

Global corporate bonds

UK corporate bonds

Global government bonds

UK Government bonds (Gilts)

Short maturity bonds

Cash

Higher riskShares (emerging markets): 11%

Higher riskShares (UK): 5%

Higher riskReal estate investment trusts: 4%

Higher riskShares (overseas developed): 48%

Higher riskBonds (emerging markets): 4%

Higher riskBonds (high yield): 8%

Lower riskGlobal corporate bonds: 11%

Lower riskUK corporate bonds: 0%

Lower riskGlobal government bonds: 3%

Lower riskUK Government bonds (Gilts): 0%

Lower riskShort maturity bonds: 5%

Lower riskCash: 1%

Higher risk

11% - Shares (emerging markets)
5% - Shares (UK)
4% - Real estate investment trusts
48% - Shares (overseas developed)
4% - Bonds (emerging markets)
8% - Bonds (high yield)

Lower risk

1% - Cash
5% - Short maturity bonds
0% - UK Government bonds (Gilts)
3% - Global government bonds
0% - UK corporate bonds
11% - Global corporate bonds

What do these terms mean?

Essential reading

Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.

View key investor information Link opens in a new window

How the fund invests

These are the top 10 fund of funds this approach invests in.

abrdn Sustainable Index World Equity Fund
iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
iShares Continental European Equity ESG Index Fund
abrdn SICAV I - Responsible Global High Yield Bond Fund
abrdn Sustainable Index American Equity Fund

abrdn Global Corporate Bond Screened Tracker Fund
abrdn Asia Pacific ex-Japan Tracker Fund
abrdn Sustainable Index UK Equity Fund
Virgin Money Climate Change Fund
iShares MSCI Japan ESG Enhanced UCITS ETF

What is the Asset allocation?

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:

Shares (emerging markets)

Shares (UK)

Real estate investment trusts

Shares (overseas developed)

Bonds (emerging markets)

Bonds (high yield)

Global corporate bonds

UK corporate bonds

Global government bonds

UK Government bonds (Gilts)

Short maturity bonds

Cash

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?

Essential reading

Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.

View key investor information Link opens in a new window

How the fund invests

These are the top 10 fund of funds this approach invests in.

iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
abrdn Sustainable Index World Equity Fund
iShares Continental European Equity ESG Index Fund
iShares MSCI USA ESG Enhanced Fund
abrdn Sustainable Index American Equity Fund

iShares UK Equity ESG Index Fund
iShares MSCI Japan ESG Enhanced Fund ETF
abrdn Asia Pacific ex-Japan Tracker Fund
Amundi Index FTSE EPRA NAREIT Global Fund
Virgin Money Climate Change Fund

Let the fund begin

We're ready when you are. Pick an option and let's get cracking.

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Close Modal

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.