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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.

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

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 31 December 2024.

Key:
Higher riskShares (emerging markets): 18%
Higher riskShares (UK): 7%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 59%
Higher riskBonds (emerging markets): 2%
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

  • 18% - Shares (emerging markets)
  • 7% - Shares (UK)
  • 5% - Real estate investment trusts
  • 59% - Shares (overseas developed)
  • 2% - 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

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 2024.

  1. iShares MSCI Emerging Markets ESG Enhanced Units ETF
  2. iShares MSCI USA ESG Enhanced UCITS ETF
  3. iShares Continental European Equity ESG Index Fund
  4. abrdn Sustainable Index World Equity Fund
  5. abrdn Sustainable Index American Equity Fund
  6. iShares MSCI Japan ESG Enhanced UCITS ETF
  7. iShares UK Equity ESG Index Fund
  8. abrdn Global REIT Tracker Fund
  9. abrdn Asia Pacific ex-Japan Tracker Fund
  10. abrdn SICAV I - Global High Yield Sustainable Bond 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 2024.


Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Dec-19: £10,000
    Dec-19: £10,000
  • Jan-20: £9,906
    Jan-20: £9,985
    2020
  • Feb-20: £9,437
    Feb-20: £9,599
  • Mar-20: £8,403
    Mar-20: £8,730
  • Apr-20: £8,973
    Apr-20: £9,373
  • May-20: £9,474
    May-20: £9,863
  • Jun-20: £9,788
    Jun-20: £10,130
  • Jul-20: £9,656
    Jul-20: £10,079
  • Aug-20: £9,943
    Aug-20: £10,389
  • Sep-20: £9,995
    Sep-20: £10,415
  • Oct-20: £9,842
    Oct-20: £10,211
  • Nov-20: £10,691
    Nov-20: £10,940
  • Dec-20: £10,912
    Dec-20: £11,138
  • Jan-21: £10,924
    Jan-21: £11,044
    2021
  • Feb-21: £10,918
    Feb-21: £11,054
  • Mar-21: £11,237
    Mar-21: £11,402
  • Apr-21: £11,595
    Apr-21: £11,773
  • May-21: £11,549
    May-21: £11,676
  • Jun-21: £11,878
    Jun-21: £12,085
  • Jul-21: £11,861
    Jul-21: £12,119
  • Aug-21: £12,200
    Aug-21: £12,459
  • Sep-21: £12,056
    Sep-21: £12,220
  • Oct-21: £12,187
    Oct-21: £12,545
  • Nov-21: £12,279
    Nov-21: £12,675
  • Dec-21: £12,519
    Dec-21: £12,824
  • Jan-22: £11,832
    Jan-22: £12,373
    2022
  • Feb-22: £11,655
    Feb-22: £12,084
  • Mar-22: £12,123
    Mar-22: £12,428
  • Apr-22: £11,855
    Apr-22: £12,008
  • May-22: £11,690
    May-22: £11,979
  • Jun-22: £11,115
    Jun-22: £11,464
  • Jul-22: £11,606
    Jul-22: £12,142
  • Aug-22: £11,706
    Aug-22: £12,145
  • Sep-22: £11,081
    Sep-22: £11,504
  • Oct-22: £11,140
    Oct-22: £11,753
  • Nov-22: £11,632
    Nov-22: £12,202
  • Dec-22: £11,474
    Dec-22: £11,693
  • Jan-23: £11,938
    Jan-23: £12,185
    2023
  • Feb-23: £11,870
    Feb-23: £12,024
  • Mar-23: £11,799
    Mar-23: £12,165
  • Apr-23: £11,810
    Apr-23: £12,155
  • May-23: £11,789
    May-23: £12,175
  • Jun-23: £12,018
    Jun-23: £12,479
  • Jul-23: £12,330
    Jul-23: £12,722
  • Aug-23: £12,091
    Aug-23: £12,586
  • Sep-23: £12,003
    Sep-23: £12,492
  • Oct-23: £11,643
    Oct-23: £12,230
  • Nov-23: £12,175
    Nov-23: £12,770
  • Dec-23: £12,725
    Dec-23: £13,267
  • Jan-24: £12,737
    Jan-24: £13,335
    2024
  • Feb-24: £13,048
    Feb-24: £13,848
  • Mar-24: £13,442
    Mar-24: £14,236
  • Apr-24: £13,275
    Apr-24: £13,911
  • May-24: £13,395
    May-24: £14,196
  • Jun-24: £13,777
    Jun-24: £14,556
  • Jul-24: £13,801
    Jul-24: £14,612
  • Aug-24: £13,849
    Aug-24: £14,667
  • Sep-24: £14,017
    Sep-24: £14,730
  • Oct-24: £14,017
    Oct-24: £14,923
  • Nov-24: £14,339
    Nov-24: £15,547
  • Dec-24: £14,208
    Dec-24: £15,410
2019 2024

December 2019 to
December 2020
December 2020 to
December 2021
December 2021 to
December 2022
December 2022 to
December 2023
December 2023 to
December 2024
This fund9.1%14.8%-8.4%11.0%11.7%
Performance Comparator*11.4%15.1%-8.8%13.5%16.1%
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 2019 to 31 December 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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