What can I invest in?
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 | Comment | |
|---|---|---|---|---|
| Global Shares: Fidelity | 15% | 65% | 80% | Track the global stock market with shares in more than 1600 companies across 23 countries. |
| Global Property Shares ESG: iShares by BlackRock | 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. |
| Overseas Corporate Bonds ESG: iShares by BlackRock | 20% | 25% | 5% | Balance your portfolio with bonds which are generally a lower risk and lower return option than shares. |
| Overseas Government Bonds: iShares by Blackrock | 20% | – | – | Diversify your portfolio and balance your risk with government bonds. |
| Cash Trust: Legal & General | 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. |
In addition to these Starting Options, we offer five further tracker funds you can invest in. More information of each fund can be found in the app under Settings > Allocations:
If you have a Stocks & Shares ISA, GIA or Stocks & Shares Lifetime ISA, you can also customise your investment allocation to invest in a range of ETFs. The ETFs we currently offer are:
Finally, if you hold a Stocks & Shares ISA you can also invest in some of the world’s largest and best-known companies! You can view which US stocks we offer here 🔍
The mix of funds in each legacy Starting Option before 19th December 2018.
| Cautious | Balanced | Adventurous | Comment | |
|---|---|---|---|---|
| Legal & General Cash Trust | 85% | 30% | 5% | Take a cautious risk approach and deposit your money with banks offering top interest rates. |
| Vanguard LifeStrategy 100% Equity Fund | 10% | 45% | 60% | Invest in the global stock market with shares in thousands of companies from the developed world. The fund aims to invest almost 100% of its assets in UK and non-UK stocks (including emerging markets). |
| Global Property Shares ESG: iShares by BlackRock | 5% | 25% | 35% | Invest in a fund that focuses on property companies scoring highly with their environmental, social and governance (ESG) impact. Your money will be spread over 300 property companies from around the world, and from different industries including residential housing and shopping centres. |
