Aim of fund
The portfolio looks to deliver above inflation returns (capital growth) through a combination of fixed interest and equity investments with an ethical mandate.
The investments will be screened from the available UK Ethical Funds and Investment Trusts (currently approximately 80 available investments). The portfolio will look to avoid investments which are ‘sustainable’ but don’t have an ethical screening.
Risk and benchmark performance of fund
The portfolio holds a higher content of equities compared to the cautious and defensive portfolios, but less than the adventurous portfolios (we currently do not offer ethical versions of these portfolios). Currently the portfolio holds approximately 20% in assets such as fixed interest and absolute return funds, with the rest in equity funds which can include property. We believe this is the best way to provide potential upside growth as well as providing equal weight between risk and reward.
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The Portfolio was launched on the 31 July 2014 and the total return up to 30 June 2017 is 42.16% against a benchmark return of 18.83%. A detailed breakdown of the performance is shown below.
|1 Yr to 30/06/13||1 Yr to 30/06/14||1 Yr to 30/06/15||1 Yr to 30/06/16||1 Yr to 30/06/17|
12 Months Total Return (bid to bid) Source: Morningstar, net income reinvested.
Performance from 31 July 2014 – 30 June 2017. Performance for 2014 is from 31 July 2014. Source: Morningstar,on a bid to bid basis with net income reinvested.
You should note that past performance is not a reliable indicator of future returns and the value of your investments can fall as well as rise. The total return reflects performance without sales charges or the effects of taxation, but is adjusted to reflect all on-going fund expenses and assumes reinvestment of dividends and capital gains. If adjusted for sales charges and the effects of taxation, the performance quoted would be reduced.
Split by funds
The performance for the portfolio is based on the previous holdings for the portfolio. Data for performance is sourced from Morningstar. These figures are provided to give an indication of the performance of the portfolio. The performance figures take into account all fund / asset charges but do not reflect any additional charges, for example the cost of the investment plan and fees paid to LWM. These expenses may reduce the actual figures shown.
As an example of how this will impact on the performance, assuming the total gross cost of the portfolio is 0.79% p.a. (this is reflected in the performance figures shown), then after rebates and reflecting any fees payable to LWM Consultants the actual cost of this portfolio could be 2.19% p.a. (on a fund of £100,000 this would be £2,190 p.a.). This means that the drag on performance is around 1.40% p.a. (on £100,000 this is around £1,400 p.a.). The cost of accessing the funds may be higher via other routes and will include additional fees, the estimate is based on the highest charge via a SIPP and for other investments the charge will be lower. Charges may also reduce depending on the size of the assets held.
You should note that past performance is not a reliable indicator of future returns and the value of your investments can fall as well as rise. LWM only invests in UK based investments although some funds / assets may have overseas holdings, the performance of funds / assets where some holdings are denominated in foreign currencies will also be subject to variations in currency rates.
These factsheets are provided by third parties for information. LWM is not responsible for these factsheets, has not reviewed them, and accepts no liability in connection with your use of them or any of their content. These factsheets display the fund manager’s standard retail charges and please note that product charges and fees may replace the charges displayed.