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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.

Our experts use Environmental, Social and Governance (ESG) considerations to help select what to invest in. Read more about our responsible investing approach including ESG considerations.


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 June 2024.

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 30 June 2024.

  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. abrdn 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 30 June 2024.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Jun-19: £10,000
    Jun-19: £10,000
    2019
  • Jul-19: £10,341
    Jul-19: £10,353
  • Aug-19: £10,188
    Aug-19: £10,244
  • Sep-19: £10,289
    Sep-19: £10,306
  • Oct-19: £10,107
    Oct-19: £10,122
  • Nov-19: £10,274
    Nov-19: £10,319
  • Dec-19: £10,385
    Dec-19: £10,401
  • Jan-20: £10,288
    Jan-20: £10,386
  • Feb-20: £9,801
    Feb-20: £9,984
  • Mar-20: £8,727
    Mar-20: £9,080
  • Apr-20: £9,319
    Apr-20: £9,749
  • May-20: £9,838
    May-20: £10,259
  • Jun-20: £10,165
    Jun-20: £10,536
    2020
  • Jul-20: £10,028
    Jul-20: £10,483
  • Aug-20: £10,326
    Aug-20: £10,805
  • Sep-20: £10,380
    Sep-20: £10,833
  • Oct-20: £10,221
    Oct-20: £10,621
  • Nov-20: £11,102
    Nov-20: £11,379
  • Dec-20: £11,332
    Dec-20: £11,584
  • Jan-21: £11,345
    Jan-21: £11,487
  • Feb-21: £11,338
    Feb-21: £11,497
  • Mar-21: £11,669
    Mar-21: £11,859
  • Apr-21: £12,041
    Apr-21: £12,245
  • May-21: £11,993
    May-21: £12,144
  • Jun-21: £12,334
    Jun-21: £12,570
    2021
  • Jul-21: £12,317
    Jul-21: £12,605
  • Aug-21: £12,668
    Aug-21: £12,958
  • Sep-21: £12,519
    Sep-21: £12,710
  • Oct-21: £12,655
    Oct-21: £13,048
  • Nov-21: £12,750
    Nov-21: £13,184
  • Dec-21: £13,000
    Dec-21: £13,338
  • Jan-22: £12,286
    Jan-22: £12,869
  • Feb-22: £12,098
    Feb-22: £12,568
  • Mar-22: £12,585
    Mar-22: £12,926
  • Apr-22: £12,305
    Apr-22: £12,489
  • May-22: £12,135
    May-22: £12,459
  • Jun-22: £11,538
    Jun-22: £11,924
    2022
  • Jul-22: £12,047
    Jul-22: £12,629
  • Aug-22: £12,152
    Aug-22: £12,632
  • Sep-22: £11,502
    Sep-22: £11,965
  • Oct-22: £11,564
    Oct-22: £12,224
  • Nov-22: £12,073
    Nov-22: £12,692
  • Dec-22: £11,910
    Dec-22: £12,162
  • Jan-23: £12,392
    Jan-23: £12,673
  • Feb-23: £12,322
    Feb-23: £12,506
  • Mar-23: £12,248
    Mar-23: £12,653
  • Apr-23: £12,259
    Apr-23: £12,642
  • May-23: £12,238
    May-23: £12,663
  • Jun-23: £12,476
    Jun-23: £12,979
    2023
  • Jul-23: £12,800
    Jul-23: £13,232
  • Aug-23: £12,551
    Aug-23: £13,090
  • Sep-23: £12,461
    Sep-23: £12,993
  • Oct-23: £12,087
    Oct-23: £12,720
  • Nov-23: £12,638
    Nov-23: £13,282
  • Dec-23: £13,210
    Dec-23: £13,799
  • Jan-24: £13,222
    Jan-24: £13,870
    2024
  • Feb-24: £13,545
    Feb-24: £14,404
  • Mar-24: £13,955
    Mar-24: £14,807
  • Apr-24: £13,781
    Apr-24: £14,469
  • May-24: £13,905
    May-24: £14,765
  • Jun-24: £14,318
    Jun-24: £15,140
2019 2024

June 2019 to
June 2020		June 2020 to
June 2021		June 2021 to
June 2022		June 2022 to
June 2023		June 2023 to
June 2024
This fund1.7%21.4%-6.4%8.2%14.7%
Performance Comparator*5.4%19.3%-5.1%8.9%16.7%
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 June 2019 to 30 June 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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