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 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.

How to make a payment with our new digital service.

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 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.

 

Information relating to the proposal to transfer the assets of the Personal Portfolio Funds (PPF) “the Funds” in exchange for the issue of shares in the UK Funds, sub-funds of the RBS Investment Funds ICVC.

Shareholder Circulars and Key Investor Information Documents for the UK Funds can be found below.

 

Personal Portfolio Fund UK Fund
Personal Portfolio Fund 1 Personal Portfolio Defensive Fund
Personal Portfolio Fund 2 Personal Portfolio Cautious Fund
Personal Portfolio Fund 3 Personal Portfolio Balanced Fund
Personal Portfolio Fund 4 Personal Portfolio Ambitious Fund
Personal Portfolio Fund 5 Personal Portfolio Adventurous Fund

Investors will see their current holding(s) in the Fund(s) transfer to the UK Fund(s) in accordance with the below:

  • Share class A to Share class 3

transfer proposal DOCUMENTS

explore our funds

5 Expertly managed funds to choose from

 

Explore Personal Portfolio Defensive Fund
EXPLORE PERSONAL PORTFOLIO CAUTIOUS FUND eXPLORE PERSONAL PORTFOLIO BALANCED FUND Explore Personal Portfolio Ambitious Fund Explore Personal Portfolio Adventurous Fund
For clients wanting a lower risk fund. For clients wanting a lower to medium risk fund. For clients wanting a medium risk fund. For clients wanting a medium to higher risk fund. For clients wanting a higher risk fund.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. 

5 Expertly managed funds to choose from

Explore Personal Portfolio Defensive Fund

For clients wanting a lower risk fund.

Explore Personal Portfolio cautious Fund

For clients wanting a lower to medium risk fund.

Explore Personal Portfolio balanced Fund

For clients wanting a medium risk fund.

Explore Personal Portfolio ambitious Fund

For clients wanting a medium to higher risk fund.

Explore Personal Portfolio adventurous Fund

For clients wanting a higher risk fund.

The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. 

why choose the personal portfolio funds?

The Personal Portfolio Funds are 'ready-made' investments available from Coutts Invest.

  • A clear choice based upon the return you’re seeking to achieve and the risk you are willing to take.
  • Invest tax free with a Stocks and Shares ISA.
  • Managed by the experts at Coutts and invested in a range of other funds from leading investment managers to spread the risk.
  • Low investment fees and charges.

 

Who are they for

Designed to provide an option for all investors, whatever your attitude to risk and goals. The minimum investment horizon is 5 years.

 

Quick Fund Facts

  • Launched: 2016
  • Currency: GBP
  • Minimum investment: £50

Charges

The funds currently have maximum ongoing charges of 0.40% of the value of your investments per year. Our platform fee is tiered and no more than 0.15% of the value of your investments per year. More information on our fees can be found 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.

 

Click here to see the latest prices

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. Personal Portfolio Adventurous Fund, 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. Personal Portfolio Defensive Fund, 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.

Contact Us

Become a client

When you become a client of Coutts, you join a network of exceptional people. Get in touch online or call +44 (0)20 7753 1365 to find out more about our services.

 

Get in touch

Already a client?

Contact your private banker at any time or call +44 (0)20 7957 2424 for more information.

 

All calls with Coutts are recorded for training and monitoring purposes.

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