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Personal

Portfolio Funds

Whatever your risk appetite, our Personal Portfolio Funds give you the choice, flexibility and simplicity you need to meet your investment goals.

They are a range of five diversified multi-asset funds designed to match different risk appetites, making it easy for you to choose an investment that is right for you. The funds combine the benefits of active asset allocation with the advantages of passive investment funds that track stock market indices – giving you low cost, hassle free access to Coutts investment expertise.

Click ‘Start Investing’ to invest directly, without advice, in the Personal Portfolio Funds through our Coutts Invest platform. Alternatively, speak to your private banker about our advice services.

The value of investments can go down as well as up and you may not get back the full amount you invest.

Explore

Our Funds

   To learn more about our five Personal Portfolio Funds, hover over the image below for asset allocation, performance figures, factsheets and more.

Why Choose the

Personal Portfolio Funds?

The Personal Portfolio Funds offer you a simple route into a diversified portfolio. They may be used as a stand-alone solution or as a core holding in a diversified investment portfolio.

  • A simple route into an actively managed, diversified investment fund
  • Low-cost investing through passive investment funds
  • Invest online when it’s convenient for you
  • A straightforward way to take advantage of your annual ISA allowance
  • Five funds to choose from matching a range of risk appetites
  • Can be used as a stand-alone investment or part of a wider portfolio

Fund

Performance

 

Fund Launch Date Calendar year performance in %. As at 30 September 2018
    2013-2016* 2017 Year-to-date Since fund launch
Personal Portfolio Fund 1 - Lower risk 1 June 2016 - 3.7 -0.1 4.9
Personal Portfolio Fund 2 - Lower/Medium risk 1 June 2016 - 6.2 1.0 7.8
Personal Portfolio Fund 3 - Medium risk 1 June 2016 - 8.5 1.9 10.3
Personal Portfolio Fund 4 - Medium/Higher risk 1 June 2016 - 11.2 3.1 13.4
Personal Portfolio Fund 5 - Higher risk 1 June 2016 - 14.4 4.5 17.2
* Fund performance for the calendar years 2013 – 2016 are not available as the funds launched 1 June 2016.

 

Fund Launch Date   Net 12-month performance to end of September in %**
    September 2013 - September 2016* September 2016- September 2017 September 2017 - September 2018
Personal Portfolio Fund 1 - Lower risk 1 June 2016 - 1.1 1.9
Personal Portfolio Fund 2 - Lower/Medium risk 1 June 2016 - 4.2 3.8
Personal Portfolio Fund 3 - Medium risk 1 June 2016 - 6.9 5.4
Personal Portfolio Fund 4 - Medium/Higher risk 1 June 2016 - 10.3 7.4
Personal Portfolio Fund 5 - Higher risk 1 June 2016 - 14.0 9.8

* Fund performance 12-month periods available from end March 2017 as the funds launched on 1 June 2016.
**Figures show annualised fund returns net of administration, management and transaction fees which are paid from within the fund – platform fees are paid separately and are not included.

Blank cells represent periods prior to the funds’ launch. Source: Coutts/Thomson Datastream September 2018. Past performance should not be taken as a guide to future performance. 
 

Read our latest quarterly focus to find out more about fund perfomance.

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Charges

The funds currently have maximum ongoing charges of 0.60% of the value of your investments per year. Our platform fee is tiered and no more than 0.35% of the value of your investments per year. More information on our fees can be found by scrolling to ‘Understanding our fees’ here.

Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment and the income from it to go up or down.

How are the

Funds Managed?

Our team of investment specialists actively manage and closely monitor the asset allocation of the Personal Portfolio Funds. Their goal is to maximise the fund returns while ensuring the right level of risk is employed.

Each fund taps into the extensive expertise of the investment team at Coutts. From our house view and market preferences through to the selection of individual passive funds that track bond or stock markets in our chosen asset classes.

Coutts adopts five core investment principles – our roadmap for managing your investments - which are:

Macro-informed asset
allocation

We believe this is a key driver of returns over the long term.

Value and selectively contrarian

We look for assets that are inexpensive and may be unpopular and out of favour. 

Diversification

Essential to broaden sources of return and manage risk in a robust way.

Quality

We seek well-managed and
stable institutions.

Patience

We focus on long-term opportunities and do not over react to short-term noise.

The right

mix

The Personal Portfolio Funds provide exposure to three key asset classes:

  • Equities – shares in companies quoted on stock markets in the UK and overseas. We gain exposure to different markets through passive funds that track shares across equity markets such as the UK, Europe, the US, Japan and emerging markets. Equities provide a greater potential for growth than bonds, but carry a greater chance of losses. PPF 5, the higher risk fund, will have an allocation of at least 90% to equities.
  • Bonds – through a basket of UK government bonds – or gilts – or by investing in passive funds that track markets in fixed and variable interest-bearing investments. These include gilts, corporate bonds and emerging market debt, which all carry different levels of risk. PPF 1, the lower risk fund, will have an allocation of at least 70% to bonds.
  • Cash – includes overnight deposits and short-dated money market investments. Funds will hold cash to make it easier to buy and sell investments, to cover redemptions and reduce risk in portfolios where appropriate.

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