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.
How your money's invested
Up until the age of 51, we invest your money in our Adventurous Growth approach. It’s higher risk but can generate higher returns – and you’ve got plenty of time to ride out the market ups and downs.
When you’re 51, we gradually move some of your money into our Careful Defensive approach each year until you’re 65. This blend of approaches keeps your money growing, while reducing those ups and downs ready for you to start taking it out. Best of all, it’s all done for you.
Percentage invested in each approach by age
Explore both approaches
Where your money’s invested
This approach aims for higher potential growth over the longer term. Our experts review the mix of investments regularly.
Here’s the detail at 30 September 2023
Higher risk
- 17% - 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
- 4% - Cash
- 0% - Short maturity bonds
- 0% - UK Government bonds (Gilts)
- 0% - Global government bonds
- 1% - UK corporate bonds
- 3% - 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.
The following is up-to-date as of 30 September 2023.
- abrdn Sustainable Index World Equity Fund
- iShares MSCI Emerging Markets ESG Enhanced Units Fund
- iShares MSCI USA ESG Enhanced Fund
- iShares MSCI Japan ESG Enhanced Fund
- iShares Continental European Equity ESG Index Fund
- iShares UK Equity ESG Index Fund
- abrdn Sustainable Index American Equity Fund
- abrdn European Equity Tracker Fund
- Aberdeen Standard Liquidity Fund
- iShares ESG Screened Global Corporate Bond Index Fund
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 2023.
-
Sep-18: £10,000Sep-18: £10,000
-
Oct-18: £9,471.58Oct-18: £9,547.80
-
Nov-18: £9,588.18Nov-18: £9,681.17
-
Dec-18: £9,061.79Dec-18: £9,175.88
-
Jan-19: £9,418.53Jan-19: £9,521.89
-
Feb-19: £9,526.53Feb-19: £9,642.52
-
Mar-19: £9,820.52Mar-19: £9,938.64
-
Apr-19: £10,075.17Apr-19: £10,205.70
-
May-19: £9,861.84May-19: £10,018.70
-
Jun-19: £10,317.13Jun-19: £10,489.30
-
Jul-19: £10,665.17Jul-19: £10,862.30
-
Aug-19: £10,503.86Aug-19: £10,752.35
-
Sep-19: £10,605.03Sep-19: £10,821.58
-
Oct-19: £10,413.36Oct-19: £10,630.35
-
Nov-19: £10,582.23Nov-19: £10,840.59
-
Dec-19: £10,692.95Dec-19: £10,930.27
-
Jan-20: £10,588.84Jan-20: £10,916.62
-
Feb-20: £10,084.75Feb-20: £10,497.55
-
Mar-20: £8,976.82Mar-20: £9,552.29
-
Apr-20: £9,582.32Apr-20: £10,260.33
-
May-20: £10,113.16May-20: £10,801.54
-
Jun-20: £10,445.81Jun-20: £11,096.99
-
Jul-20: £10,301.17Jul-20: £11,044.58
-
Aug-20: £10,603.74Aug-20: £11,387.39
-
Sep-20: £10,655.40Sep-20: £11,419.97
-
Oct-20: £10,488.75Oct-20: £11,198.53
-
Nov-20: £11,390.31Nov-20: £11,390.31Nov-20: £12,001.04
-
Dec-20: £11,621.48Dec-20: £12,221.51
-
Jan-21: £11,631.99Jan-21: £12,121.51
-
Feb-21: £11,621.48Feb-21: £12,134.89
-
Mar-21: £11,957.73Mar-21: £12,522.08
-
Apr-21: £12,336Apr-21: £12,933.85
-
May-21: £12,283.46May-21: £12,832.64
-
Jun-21: £12,630.22Jun-21: £13,285.68
-
Jul-21: £12,609.20Jul-21: £13,326.11
-
Aug-21: £12,966.46Aug-21: £13,702.69
-
Sep-21: £12,808.85Sep-21: £13,445.48
-
Oct-21: £12,945.45Oct-21: £13,805.46
-
Nov-21: £13,040.01Nov-21: £13,952.32
-
Dec-21: £13,292.20Dec-21: £14,119.42
-
Jan-22: £12,556.66Jan-22: £13,624.58
-
Feb-22: £12,367.52Feb-22: £13,309.79
-
Mar-22: £12,850.88Mar-22: £13,694.90
-
Apr-22: £12,567.17Apr-22: £13,236.34
-
May-22: £12,388.54May-22: £13,212.25
-
Jun-22: £11,768.59Jun-22: £12,649.04
-
Jul-22: £12,293.97Jul-22: £13,400.38
-
Aug-22: £12,388.54Aug-22: £13,407.62
-
Sep-22: £11,726.56Sep-22: £12,704.79
-
Oct-22: £11,779.09Oct-22: £12,982.76
-
Nov-22: £12,304.48Nov-22: £13,483.49
-
Dec-22: £12,125.85Dec-22: £12,925.01
-
Jan-23: £12,619.71Jan-23: £13,471.02
-
Feb-23: £12,546.15Feb-23: £13,297.29
-
Mar-23: £12,462.09Mar-23: £13,460.16
-
Apr-23: £12,472.60Apr-23: £13,454.37
-
May-23: £12,451.59May-23: £13,484.39
-
Jun-23: £12,682.75Jun-23: £13,825.36
-
Jul-23: £13,008.49Jul-23: £14,097.64
-
Aug-23: £12,756.31Aug-23: £13,951.47
-
Sep-23: £12,661.74Sep-23: £13,851.77
Sep 2018 to Sep 2019 | Sep 2019 to Sep 2020 | Sep 2020 to Sep 2021 | Sep 2021 to Sep 2022 | Sep 2022 to Sep 2023 | Total over 5 years | |
---|---|---|---|---|---|---|
This fund | 6.1% | 0.5% | 20.2% | -8.4% | 8.0% | 26.6% |
Performance Comparator* | 8.2% | 5.5% | 17.7% | -5.5% | 9.0% | 38.5% |
*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 2018 to 30 September 2023, bid to bid with net income reinvested.
Where your money’s invested
This approach aims for more stability, but with slower growth. Our experts review the mix of investments regularly.
Here’s the detail at 30 September 2023
Higher risk
- 1% - Shares (emerging markets)
- 1% - Shares (UK)
- 1% - Real estate investment trusts
- 11% - Shares (overseas developed)
- 1% - Bonds (emerging markets)
- 1% - Bonds (high yield)
Lower risk
- 17% - Cash
- 26% - Short maturity bonds
- 15% - UK Government bonds (Gilts)
- 21% - Global government bonds
- 2% - UK corporate bonds
- 3% - 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.
The following is up-to-date as of 30 September 2023.
- Aberdeen Standard Liquidity Fund
- Vanguard UK Government Bond Index Fund
- abrdn Global Government Bond Index Fund
- abrdn Global Inflation-Linked Bond Tracker Fund
- abrdn Short Dated Global Corporate Bond Tracker Fund
- abrdn Short Dated Global Inflation-Linked Bond Tracker Fund
- Payden Global Government Bond Index Fund
- abrdn Sustainable Index American Equity Fund
- iShares MSCI EM ESG Enhanced Fund
- L&G ESG GBP Corporate Bond 0-5 Year Fund
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 2023.
-
Sep-18: £10,000Sep-18: £10,000
-
Oct-18: £9,932.36Oct-18: £10,012.60
-
Nov-18: £9,910.72Nov-18: £10,025.01
-
Dec-18: £9,896.56Dec-18: £10,037.64
-
Jan-19: £10,015.05Jan-19: £10,050.29
-
Feb-19: £10,016.11Feb-19: £10,062.33
-
Mar-19: £10,207.38Mar-19: £10,075
-
Apr-19: £10,220.39Apr-19: £10,087.47
-
May-19: £10,291.21May-19: £10,100.16
-
Jun-19: £10,405.82Jun-19: £10,112.66
-
Jul-19: £10,553.10Jul-19: £10,125.38
-
Aug-19: £10,670.20Aug-19: £10,138.12
-
Sep-19: £10,654.53Sep-19: £10,150.67
-
Oct-19: £10,547.65Oct-19: £10,163.44
-
Nov-19: £10,539.59Nov-19: £10,176.02
-
Dec-19: £10,523.01Dec-19: £10,188.82
-
Jan-20: £10,649.61Jan-20: £10,201.64
-
Feb-20: £10,617.31Feb-20: £10,214.05
-
Mar-20: £10,209.57Mar-20: £10,223.44
-
Apr-20: £10,472.99Apr-20: £10,230.64
-
May-20: £10,618.71May-20: £10,237.89
-
Jun-20: £10,713.01Jun-20: £10,245.10
-
Jul-20: £10,754.35Jul-20: £10,252.36
-
Aug-20: £10,719.50Aug-20: £10,259.60
-
Sep-20: £10,757.10Sep-20: £10,266.85
-
Oct-20: £10,738.71Oct-20: £10,274.11
-
Nov-20: £10,945.14Nov-20: £10,945.14Nov-20: £10,281.36
-
Dec-20: £11,020.40Dec-20: £10,288.63
-
Jan-21: £10,998.90Jan-21: £10,295.92
-
Feb-21: £10,805.37Feb-21: £10,303.11
-
Mar-21: £10,880.63Mar-21: £10,310.41
-
Apr-21: £10,966.64Apr-21: £10,317.67
-
May-21: £10,988.14May-21: £10,324.98
-
Jun-21: £11,063.40Jun-21: £10,332.25
-
Jul-21: £11,192.42Jul-21: £10,339.57
-
Aug-21: £11,246.18Aug-21: £10,346.89
-
Sep-21: £11,106.41Sep-21: £10,354.19
-
Oct-21: £11,170.92Oct-21: £10,361.52
-
Nov-21: £11,235.43Nov-21: £10,368.82
-
Dec-21: £11,213.93Dec-21: £10,376.84
-
Jan-22: £11,020.40Jan-22: £10,385.50
-
Feb-22: £10,891.38Feb-22: £10,395.82
-
Mar-22: £10,848.37Mar-22: £10,407.78
-
Apr-22: £10,661.29Apr-22: £10,420.68
-
May-22: £10,609.69May-22: £10,435.72
-
Jun-22: £10,324.77Jun-22: £10,451.87
-
Jul-22: £10,563.45Jul-22: £10,469.48
-
Aug-22: £10,398.96Aug-22: £10,491.14
-
Sep-22: £9,960.29Sep-22: £10,514.06
-
Oct-22: £10,044.15Oct-22: £10,540.70
-
Nov-22: £10,245.21Nov-22: £10,572.82
-
Dec-22: £10,148.44Dec-22: £10,608.81
-
Jan-23: £10,348.42Jan-23: £10,646.95
-
Feb-23: £10,232.31Feb-23: £10,686.10
-
Mar-23: £10,326.92Mar-23: £10,729.72
-
Apr-23: £10,351.65Apr-23: £10,773.78
-
May-23: £10,267.79May-23: £10,820.82
-
Jun-23: £10,255.96Jun-23: £10,868.80
-
Jul-23: £10,339.82Jul-23: £10,921.60
-
Aug-23: £10,287.14Aug-23: £10,976.82
-
Sep-23: £10,194.67Sep-23: £11,030.89
Sep 2018 to | Sep 2019 to | Sep 2020 to | Sep 2021 to | Sep 2022 to | Total over 5 | |
---|---|---|---|---|---|---|
This fund | 6.5% | 1.0% | 3.2% | -10.3% | 2.4% | 1.9% |
Performance Comparator* | 1.5% | 1.1% | 0.9% | 1.5% | 4.9% | 10.3% |
*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 is the Bank of England Base Rate +0.75%, which represents an incremental return over and above cash savings, in keeping with the lower risk / defensive nature of the fund
Source Lipper, total return (income reinvested). The returns shown above are based on index returns (see above) up until 29 October 2020 thereafter actual returns are used. Lump sum invested 30 September 2018 to 30 September 2023. For details of the performance comparator for each fund please see the respective Key Investor Information Document.
What do these terms mean?
Close ModalBonds: 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.
Key information
In our important documents you’ll see our Careful Defensive approach and Adventurous Growth approach, which refers to our Virgin Money Defensive Fund and Virgin Money Growth Fund 3. Before applying, please make sure you've read the following.
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Use the app or sign in to Online Service and track the performance of your investments – we update your account balance every day. You'll also get a statement every six months.
Our charges are up to 0.75% in total each year, based on the value of your account. This is made up of two clear and simple charges.
An Account Charge, which is 0.30% of your investments. This is collected from your account by cashing in a small number of investment units each month.
An Annual Management Charge, which is up to 0.45% of your investments. This is collected by making a small adjustment to the unit price of your investment each day.