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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 30 September 2025.

Key:
Higher riskShares (emerging markets): 11%
Higher riskShares (UK): 8%
Higher riskReal estate investment trusts: 6%
Higher riskShares (overseas developed): 64%
Higher riskBonds (emerging markets): 2%
Higher riskBonds (high yield): 4%
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: 1%

Higher risk

  • 11% - Shares (emerging markets)
  • 8% - Shares (UK)
  • 6% - Real estate investment trusts
  • 64% - Shares (overseas developed)
  • 2% - Bonds (emerging markets)
  • 4% - Bonds (high yield)

Lower risk

  • 1% - 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 September 2025.

  1. abrdn Evolve World Equity Fund
  2. iShares Continental European Equity ESG Index Fund
  3. iShares MSCI Emerging Markets ESG Enhanced Units ETF
  4. iShares MSCI USA ESG Enhanced UCITS ETF
  5. abrdn Asia Pacific ex-Japan Tracker Fund
  6. abrdn Evolve American Equity Fund
  7. iShares MSCI Japan ESG Enhanced UCITS ETF
  8. abrdn Global REIT Tracker Fund
  9. iShares UK Equity ESG Index Fund
  10. abrdn Global Corporate Bond Screened Tracker 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 September 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • 30/09/2020: £10,000
    30/09/2020: £10,000
    2020
  • 31/10/2020: £9,850
    31/10/2020: £9,804
  • 30/11/2020: £10,700
    30/11/2020: £10,504
  • 31/12/2020: £10,920
    31/12/2020: £10,694
  • 31/01/2021: £10,933
    31/01/2021: £10,604
    2021
  • 28/02/2021: £10,927
    28/02/2021: £10,614
  • 31/03/2021: £11,246
    31/03/2021: £10,948
  • 30/04/2021: £11,604
    30/04/2021: £11,304
  • 31/05/2021: £11,559
    31/05/2021: £11,211
  • 30/06/2021: £11,887
    30/06/2021: £11,604
  • 31/07/2021: £11,870
    31/07/2021: £11,636
  • 31/08/2021: £12,210
    31/08/2021: £11,962
  • 30/09/2021: £12,065
    30/09/2021: £11,733
  • 31/10/2021: £12,196
    31/10/2021: £12,045
  • 30/11/2021: £12,289
    30/11/2021: £12,170
  • 31/12/2021: £12,529
    31/12/2021: £12,313
  • 31/01/2022: £11,842
    31/01/2022: £11,880
    2022
  • 28/02/2022: £11,661
    28/02/2022: £11,602
  • 31/03/2022: £12,130
    31/03/2022: £11,932
  • 30/04/2022: £11,861
    30/04/2022: £11,529
  • 31/05/2022: £11,696
    31/05/2022: £11,502
  • 30/06/2022: £11,122
    30/06/2022: £11,007
  • 31/07/2022: £11,612
    31/07/2022: £11,658
  • 31/08/2022: £11,713
    31/08/2022: £11,661
  • 30/09/2022: £11,087
    30/09/2022: £11,045
  • 31/10/2022: £11,147
    31/10/2022: £11,285
  • 30/11/2022: £11,637
    30/11/2022: £11,716
  • 31/12/2022: £11,480
    31/12/2022: £11,227
  • 31/01/2023: £11,945
    31/01/2023: £11,699
    2023
  • 28/02/2023: £11,877
    28/02/2023: £11,545
  • 31/03/2023: £11,806
    31/03/2023: £11,680
  • 30/04/2023: £11,817
    30/04/2023: £11,671
  • 31/05/2023: £11,796
    31/05/2023: £11,690
  • 30/06/2023: £12,025
    30/06/2023: £11,981
  • 31/07/2023: £12,337
    31/07/2023: £12,215
  • 31/08/2023: £12,098
    31/08/2023: £12,084
  • 30/09/2023: £12,011
    30/09/2023: £11,994
  • 31/10/2023: £11,650
    31/10/2023: £11,742
  • 30/11/2023: £12,182
    30/11/2023: £12,261
  • 31/12/2023: £12,732
    31/12/2023: £12,738
  • 31/01/2024: £12,744
    31/01/2024: £12,803
    2024
  • 29/02/2024: £13,055
    29/02/2024: £13,296
  • 31/03/2024: £13,450
    31/03/2024: £13,669
  • 30/04/2024: £13,283
    30/04/2024: £13,357
  • 31/05/2024: £13,402
    31/05/2024: £13,630
  • 30/06/2024: £13,785
    30/06/2024: £13,976
  • 31/07/2024: £13,809
    31/07/2024: £14,029
  • 31/08/2024: £13,857
    31/08/2024: £14,083
  • 30/09/2024: £14,025
    30/09/2024: £14,143
  • 31/10/2024: £14,025
    31/10/2024: £14,328
  • 30/11/2024: £14,348
    30/11/2024: £14,928
  • 31/12/2024: £14,216
    31/12/2024: £14,795
  • 31/01/2025: £14,767
    31/01/2025: £15,302
    2025
  • 28/02/2025: £14,539
    28/02/2025: £15,105
  • 31/03/2025: £13,977
    31/03/2025: £14,331
  • 30/04/2025: £13,773
    30/04/2025: £14,077
  • 31/05/2025: £14,336
    31/05/2025: £14,601
  • 30/06/2025: £14,635
    30/06/2025: £14,959
  • 31/07/2025: £15,221
    31/07/2025: £15,548
  • 31/08/2025: £15,269
    31/08/2025: £15,610
  • 30/09/2025: £15,748
    30/09/2025: £16,131
2020 2025

September 2020 to
September 2021		September 2021 to
September 2022		September 2022 to
September 2023		September 2023 to
September 2024		September 2024 to
September 2025
This fund20.6%-8.1%8.4%16.9%12.3%
Performance Comparator*17.3%-5.9%8.6%17.9%14.1%
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, 30 September 2020 to 30 September 2025, 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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