Aim of Portfolio

The Portfolio looks to deliver above inflation returns (capital growth) through a combination of fixed interest and equity investments with an ethical and sustainable mandate.

The investments will be screened from the available UK Ethical & Sustainable Funds and Investment Trusts (currently approximately 80 available investments).

Portfolio Review

Quarterly Portfolio UpdateJanuary 2020
Quarterly Market UpdateJanuary 2020
Morningstar Quarter 4 2019 Portfolio OverviewJanuary 2020
Quarterly Portfolio UpdateOctober 2019
Quarterly Market UpdateOctober 2019
Morningstar Quarter 3 2019 Portfolio OverviewOctober 2019
Quarterly Portfolio UpdateJuly 2019
Quarterly Market UpdateJuly 2019
Morningstar Quarter 2 2019 Portfolio OverviewJuly 2019
Quarterly Portfolio UpdateApril 2019
Quarterly Market UpdateApril 2019
Morningstar Quarter 1 2019 Portfolio OverviewApril 2019

Risk and benchmark performance of Portfolio

The Portfolio holds a higher content of equities compared to the Cautious 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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Performance

The Portfolio was launched on the 31 July 2014 and the total return up to 31 December 2019 is 75.47% against a benchmark return of 37.26%. A detailed breakdown of the performance is shown below.

Standardised Performance

1 Yr to 31/12/151 Yr to 31/12/161 Yr to 31/12/171 Yr to 31/12/181 Yr to 31/12/19
Ethical Portfolio6.63%15.51%15.73%-5.30%22.35%
Benchmark0.01%13.27%10.52%-7.46%18.97%

12 Months Total Return (bid to bid) Source: Morningstar, net income reinvested.

20152016201720182019
Ethical Portfolio6.63%15.51%15.73%-5.30%22.35%
Benchmark0.01%13.27%10.52%-7.46%18.97%

Performance from 31 July 2014 – 31 December 2019. 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 within the Portfolio

Fund NamePercentage Holding
Fixed Interest / Absolute Return20%
Rathbone Ethical Bond Fund10%FactsheetKID
Kames Ethical Corporate Bond Fund5%FactsheetKID
EdenTree Sterling Bond Fund5%FactsheetKID
UK Equities20%
Kames Ethical Equity Fund5%FactsheetKID
Premier Ethical Fund5%FactsheetKID
SLI UK Ethical Fund10%FactsheetKID
European Equities
5%
EdenTree Amity European Fund5%FactsheetKID
Global Equities
34%
F&C Responsible Global Equity Fund8%FactsheetKID
EdenTree International Fund5%FactsheetKID
Sarasin EquiSar Socially Responsible Fund8%FactsheetKID
Jupiter Ecology Fund5%FactsheetKID
Liontrust Sustainable Future Absolute Growth Fund8%FactsheetKID
Specialist Equities
21%
Sun Portfolio Climate Assets Fund5%FactsheetKID
Impax Environmental Markets Trust Plc6%FactsheetDocuments
The Renewables Infrastructure Group Limited5%FactsheetDocuments
Civitas Social Housing Plc5%FactsheetDocuments

Important notes

Performance

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.

Factsheets

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.