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At a glance

Cautious by name, cautious by nature. The lowest risk choice out of our three growth approaches, aiming for modest 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

Reduces risk

Likely to be a less 'bumpy' ride, compared with higher risk investments.

Aims for gradual growth

A slower, cautious 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 40% of your money goes into higher risk investments with higher potential returns and 60% 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 40%

    invested for higher potential returns with higher risk

  • Typically 60%

    invested for lower risk with lower growth potential

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 June 2025.

Key:
Higher riskShares (emerging markets): 4%
Higher riskShares (UK): 3%
Higher riskReal estate investment trusts: 2%
Higher riskShares (overseas developed): 25%
Higher riskBonds (emerging markets): 4%
Higher riskBonds (high yield): 4%
Lower riskGlobal corporate bonds: 24%
Lower riskUK corporate bonds: 3%
Lower riskGlobal government bonds: 14%
Lower riskUK Government bonds (Gilts): 1%
Lower riskShort maturity bonds: 15%
Lower riskCash: 1%

Higher risk

  • 4% - Shares (emerging markets)
  • 3% - Shares (UK)
  • 2% - Real estate investment trusts
  • 25% - Shares (overseas developed)
  • 4% - Bonds (emerging markets)
  • 4% - Bonds (high yield)

Lower risk

  • 1% - Cash
  • 15% - Short maturity bonds
  • 1% - UK Government bonds (Gilts)
  • 14% - Global government bonds
  • 3% - UK corporate bonds
  • 24% - 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.

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

  1. abrdn Global Corporate Bond Screened Tracker Fund
  2. abrdn Global Government Bond Tracker Fund
  3. abrdn Evolve World Equity Fund
  4. abrdn Short Dated Sterling Corporate Bond Tracker Fund
  5. iShares ESG Sterling Corporate Bond Index Fund
  6. abrdn Evolve European Equity Index Fund
  7. iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
  8. abrdn Evolve Asia Pacific ex-Japan Equity Index Fund X Acc
  9. abrdn SICAV I - Responsible Global High Yield Bond 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 June 2025.

Key:
£7.5k
£10k
£12.5k
£15k
  • Jun-20: £10,000
    Jun-20: £10,000
    2020
  • Jul-20: £10,008
    Jul-20: £10,044
  • Aug-20: £10,064
    Aug-20: £10,114
  • Sep-20: £10,101
    Sep-20: £10,147
  • Oct-20: £10,024
    Oct-20: £10,072
  • Nov-20: £10,408
    Nov-20: £10,375
  • Dec-20: £10,523
    Dec-20: £10,461
  • Jan-21: £10,456
    Jan-21: £10,391
    2021
  • Feb-21: £10,368
    Feb-21: £10,295
  • Mar-21: £10,452
    Mar-21: £10,389
  • Apr-21: £10,591
    Apr-21: £10,532
  • May-21: £10,591
    May-21: £10,513
  • Jun-21: £10,731
    Jun-21: £10,684
  • Jul-21: £10,773
    Jul-21: £10,777
  • Aug-21: £10,878
    Aug-21: £10,877
  • Sep-21: £10,765
    Sep-21: £10,733
  • Oct-21: £10,804
    Oct-21: £10,822
  • Nov-21: £10,866
    Nov-21: £10,914
  • Dec-21: £10,908
    Dec-21: £10,929
  • Jan-22: £10,602
    Jan-22: £10,677
    2022
  • Feb-22: £10,443
    Feb-22: £10,496
  • Mar-22: £10,497
    Mar-22: £10,462
  • Apr-22: £10,274
    Apr-22: £10,146
  • May-22: £10,201
    May-22: £10,128
  • Jun-22: £9,866
    Jun-22: £9,864
  • Jul-22: £10,139
    Jul-22: £10,236
  • Aug-22: £10,013
    Aug-22: £10,057
  • Sep-22: £9,556
    Sep-22: £9,643
  • Oct-22: £9,616
    Oct-22: £9,698
  • Nov-22: £9,943
    Nov-22: £9,982
  • Dec-22: £9,847
    Dec-22: £9,745
  • Jan-23: £10,125
    Jan-23: £10,031
    2023
  • Feb-23: £10,001
    Feb-23: £9,875
  • Mar-23: £10,067
    Mar-23: £10,050
  • Apr-23: £10,083
    Apr-23: £10,075
  • May-23: £10,023
    May-23: £10,051
  • Jun-23: £10,063
    Jun-23: £10,138
  • Jul-23: £10,198
    Jul-23: £10,213
  • Aug-23: £10,090
    Aug-23: £10,162
  • Sep-23: £9,973
    Sep-23: £10,018
  • Oct-23: £9,830
    Oct-23: £9,894
  • Nov-23: £10,201
    Nov-23: £10,261
  • Dec-23: £10,585
    Dec-23: £10,613
  • Jan-24: £10,517
    Jan-24: £10,619
    2024
  • Feb-24: £10,547
    Feb-24: £10,725
  • Mar-24: £10,755
    Mar-24: £10,897
  • Apr-24: £10,617
    Apr-24: £10,692
  • May-24: £10,680
    May-24: £10,831
  • Jun-24: £10,829
    Jun-24: £10,992
  • Jul-24: £10,904
    Jul-24: £11,138
  • Aug-24: £11,010
    Aug-24: £11,227
  • Sep-24: £11,127
    Sep-24: £11,323
  • Oct-24: £11,010
    Oct-24: £11,278
  • Nov-24: £11,148
    Nov-24: £11,540
  • Dec-24: £11,053
    Dec-24: £11,445
  • Jan-25: £11,244
    Jan-25: £11,621
    2025
  • Feb-25: £11,255
    Feb-25: £11,652
  • Mar-25: £11,095
    Mar-25: £11,400
  • Apr-25: £11,095
    Apr-25: £11,393
  • May-25: £11,255
    May-25: £11,529
  • Jun-25: £11,414
    Jun-25: £11,702
2020 2025

June 2020 to
June 2021		June 2021 to
June 2022		June 2022 to
June 2023		June 2023 to
June 2024		June 2024 to
June 2025
This fund7.3%-8.1%2.0%7.6%5.4%
Performance Comparator*6.8%-7.7%2.8%8.4%6.5%
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 30% shares and 70% 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 June 2020 to 30 June 2025, bid to bid with net income reinvested.

Key information

In our important documents you’ll see our Cautious Growth approach referred to as the Virgin Money Growth Fund 1. Before applying, please make sure you’ve read the following:

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