Moneybox has worked with experts to offer you three Starting Options – Cautious, Balanced and Adventurous. All you need to do is pick one based on your attitude to risk and return.
Each Starting Option contains a mix of tracker (mutual) funds. If you’d like to, you can customise the asset allocations of our suggested Starting Options to create a personalised portfolio.
However, you should bear in mind that our Starting Options have been carefully designed by investment experts to optimise risk and return for the selected risk appetite. Please make sure you fully understand how changing your allocation could impact your investment return and risk level before making any changes to these allocations.
The mix of funds in each Starting Option is shown in the table below:
Cautious | Balanced | Adventurous | ||
15% | 65% | 80% | Track the global stock market with shares in more than 1600 companies across 23 countries. | |
5% | 10% | 15% | Pool your money with lots of others to invest in over 300 property companies from around the world, across a range of industries from residential housing to shopping centres. | |
20% | 25% | 5% | Balance your portfolio with bonds which are generally a lower risk and lower return option than shares. | |
20% | – | – | Diversify your portfolio and balance your risk with government bonds. | |
40% | – | – | Instead of investing in shares, the fund deposits most of your money with the banks and financial institutions offering the most competitive interest rates at the time. |
You can also customise your investment allocation to invest in a broad range of tracker funds, ETFs (not currently available for Junior ISA), and our Moneybox funds. You can view our full fund range here.