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
These fund returns are net of the ongoing charges figure which includes management and administration fees (platform fees not included).
|Fund||Launch Date||Calendar year performance in %. As at 31 March 2019**|
|2013-2016*||2017||2018||Year-to-date||Since fund launch (annualised)|
|Personal Portfolio Fund 1 - Lower risk||1 June 2016||-||3.7||-2.0||3.8||4.7|
|Personal Portfolio Fund 2 - Lower/Medium risk||1 June 2016||-||6.2||-3.4||5.3||6.7|
|Personal Portfolio Fund 3 - Medium risk||1 June 2016||-||8.5||-4.4||6.4||8.4|
|Personal Portfolio Fund 4 - Medium/Higher risk||1 June 2016||-||11.2||-5.6||7.7||10.4|
|Personal Portfolio Fund 5 - Higher risk||1 June 2016||-||14.4||-6.6||9.0||12.9|
* Fund performance for the calendar years 2013 – 2016 are not available as the funds launched 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.
|Fund||Launch Date||Net 12-month performance to end of last quarter in %**|
|March 2014 - March 2017*||March 2017 - March 2018||March 2018 - March 2019|
|Personal Portfolio Fund 1 - Lower risk||1 June 2016||-||0.2||3.6|
|Personal Portfolio Fund 2 - Lower/Medium risk||1 June 2016||-||0.8||4.7|
|Personal Portfolio Fund 3 - Medium risk||1 June 2016||-||1.4||5.4|
|Personal Portfolio Fund 4 - Medium/Higher risk||1 June 2016||-||2.0||6.3|
|Personal Portfolio Fund 5 - Higher risk||1 June 2016||-||2.7||7.4|
* Fund performance 12-month periods available from end March 2017 as the funds launched on 1 June 2016.
Blank cells represent periods prior to the funds’ launch. Source: Coutts/Thomson Datastream March 2019. Past performance should not be taken as a guide to future performance
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.
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.
ISIN Fund Name Currency NAV Date IE00BYYCCK33 Personal Portfolio 5 Fund Class A - Accumulating GBP 1.4721 18/06/2019 IE00BYYCCH04 Personal Portfolio 4 Fund Class A - Accumulating GBP 1.3714 18/06/2019 IE00BYYCCF89 Personal Portfolio 3 Fund Class A - Accumulating GBP 1.2916 18/06/2019 IE00BYYCCC58 Personal Portfolio 2 Fund Class A - Accumulating GBP 1.2311 18/06/2019 IE00BYYCC925 Personal Portfolio 1 Fund Class A - Accumulating GBP 1.1588 18/06/2019
Page Last Updated: 19/06/2019
How are the
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:
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.
Essential to broaden sources of return and manage risk in a robust way.
We seek well-managed and
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.