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Is this approach right for you?

Adventurous and for the ambitious. This is the highest risk choice out of our three 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.


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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.

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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 2025.

Key:
Higher riskShares (emerging markets): 18%
Higher riskShares (UK): 8%
Higher riskReal estate investment trusts: 5%
Higher riskShares (overseas developed): 58%
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)
  • 8% - Shares (UK)
  • 5% - Real estate investment trusts
  • 58% - 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
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. 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 Evolve World Equity Fund
  5. abrdn Evolve American Equity Fund
  6. iShares UK Equity ESG Index Fund
  7. iShares MSCI Japan ESG Enhanced UCITS ETF
  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 30 June 2025.

Key:
£7.5k
£10k
£12.5k
£15k
£17.5k
  • Jun-20: £10,000
    Jun-20: £10,000
    2020
  • Jul-20: £9,865
    Jul-20: £9,950
  • Aug-20: £10,158
    Aug-20: £10,256
  • Sep-20: £10,211
    Sep-20: £10,282
  • Oct-20: £10,057
    Oct-20: £10,080
  • Nov-20: £10,926
    Nov-20: £10,800
  • Dec-20: £11,150
    Dec-20: £10,995
  • Jan-21: £11,163
    Jan-21: £10,903
    2021
  • Feb-21: £11,157
    Feb-21: £10,913
  • Mar-21: £11,483
    Mar-21: £11,256
  • Apr-21: £11,848
    Apr-21: £11,623
  • May-21: £11,802
    May-21: £11,527
  • Jun-21: £12,137
    Jun-21: £11,931
  • Jul-21: £12,120
    Jul-21: £11,964
  • Aug-21: £12,467
    Aug-21: £12,299
  • Sep-21: £12,318
    Sep-21: £12,064
  • Oct-21: £12,452
    Oct-21: £12,385
  • Nov-21: £12,547
    Nov-21: £12,513
  • Dec-21: £12,792
    Dec-21: £12,660
  • Jan-22: £12,091
    Jan-22: £12,214
    2022
  • Feb-22: £11,906
    Feb-22: £11,929
  • Mar-22: £12,385
    Mar-22: £12,269
  • Apr-22: £12,110
    Apr-22: £11,854
  • May-22: £11,941
    May-22: £11,826
  • Jun-22: £11,356
    Jun-22: £11,318
  • Jul-22: £11,855
    Jul-22: £11,987
  • Aug-22: £11,959
    Aug-22: £11,989
  • Sep-22: £11,320
    Sep-22: £11,357
  • Oct-22: £11,381
    Oct-22: £11,603
  • Nov-22: £11,882
    Nov-22: £12,046
  • Dec-22: £11,720
    Dec-22: £11,543
  • Jan-23: £12,196
    Jan-23: £12,029
    2023
  • Feb-23: £12,126
    Feb-23: £11,870
  • Mar-23: £12,054
    Mar-23: £12,009
  • Apr-23: £12,065
    Apr-23: £11,999
  • May-23: £12,044
    May-23: £12,019
  • Jun-23: £12,277
    Jun-23: £12,319
  • Jul-23: £12,596
    Jul-23: £12,559
  • Aug-23: £12,352
    Aug-23: £12,425
  • Sep-23: £12,263
    Sep-23: £12,332
  • Oct-23: £11,895
    Oct-23: £12,073
  • Nov-23: £12,438
    Nov-23: £12,607
  • Dec-23: £13,000
    Dec-23: £13,097
  • Jan-24: £13,012
    Jan-24: £13,164
    2024
  • Feb-24: £13,330
    Feb-24: £13,671
  • Mar-24: £13,733
    Mar-24: £14,054
  • Apr-24: £13,562
    Apr-24: £13,733
  • May-24: £13,684
    May-24: £14,014
  • Jun-24: £14,075
    Jun-24: £14,370
  • Jul-24: £14,099
    Jul-24: £14,425
  • Aug-24: £14,148
    Aug-24: £14,480
  • Sep-24: £14,319
    Sep-24: £14,542
  • Oct-24: £14,319
    Oct-24: £14,732
  • Nov-24: £14,649
    Nov-24: £15,349
  • Dec-24: £14,515
    Dec-24: £15,212
  • Jan-25: £15,077
    Jan-25: £15,733
    2025
  • Feb-25: £14,845
    Feb-25: £15,530
  • Mar-25: £14,270
    Mar-25: £14,735
  • Apr-25: £14,063
    Apr-25: £14,473
  • May-25: £14,637
    May-25: £15,013
  • Jun-25: £14,943
    Jun-25: £15,380
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 fund21.3%-6.4%8.2%14.7%6.2%
Performance Comparator*19.3%-5.1%8.8%16.6%7.0%
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 2020 to 30 June 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:

Apply for Adventurous Growth approach

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Our other approaches

Learn about our Investment Mix

Careful Defensive approach

To minimise and defend against ups and downs.

View approach

Cautious Growth approach

A slower, cautious approach to growing your money.

View approach

Balanced Growth approach

For higher growth potential, but more ups and downs than with our Cautious Growth approach.

View approach

Want someone else to drive?

Switch to our steered-for-you Navigator pension. It’s like sat nav for your retirement journey.

Explore Navigator
Let someone else do the driving

Got a question?

We've got the answer.

We make things easy to help you understand and choose the approach that’s right for you. There are guides to get you started and if anything needs a bit more explanation, just give us a call on 03455 28 88 52.

We can’t give you financial advice though, so if you need advice you could try:

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.

Yes. It's a good idea to review your investments regularly – and it's simple to switch all or part of your money to a new approach. Just sign in to Online Service and follow the on-screen instructions.

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