Heritage Growth Portfolios

Heritage offer six growth actively managed portfolios, ranging from very low to very high risk. If you are unsure about which risk category you fall into (which may be different for different investments and pensions) or would like to check the performance, have a look at our Portfolios for Capital Growth page. The higher numbered growth portfolio, contains potentially more volatile and riskier underlying assets and therefore the greater potential for more higher gains and loss.

Below are the lower risk Heritage Growth (1& 2) portfolios:

Heritage Growth 1 Portfolio (Not Suitable for ISA Investment)

This portfolio has a high proportion of monies invested in funds that have no or very little exposure to stocks & shares (which helps to keep the overall risk of the portfolio down). This portfolio is suitable for an investor with a low risk profile and who is prepared to accept a small degree of risk in return for potentially greater rewards than they would receive from cash accounts and we suggest planning to invest for a minimum period of at least 3 years or longer. Money invested into the Money Market sector prevents this portfolio being used for ISA investment. Please be aware that fund and portfolio values will fluctuate throughout the investment period so, if you cannot accept a small fall in the value of your portfolio from time to time, then this type of investment is not for you.

Fund
Investment Sector
Risk Rating
Weighting
Premier UK Money Market
Money Markets 
1
60%
M&G Optical Income A
Sterling Strategic Bond
3
5%
M&G Corporate Bond A
Sterling Corporate Bond
2
15%
M&G Gilt & Fixed Interest Income Acc
UK Gilt
1
20%
Combined Portfolio Risk
  1 100%

Fund Risk Rating: 1 = Very Low risk; 2 = Low risk; 3 = Medium risk; 4 = Medium High risk; 5 = High risk; 6 = Very High risk

 

 

Heritage Growth 2 Portfolio

There is no cash fund in this portfolio so it is permissible to use this for investment into Stocks & Shares ISAs as well as unit trusts & OEICs. This portfolio is suitable for an investor with a low to medium risk profile and who is prepared to accept a reasonable degree of risk in return for potentially much greater rewards that they would receive from cash accounts and we suggest planning to invest for a minimum period of at least 5 years or longer. Please be aware that fund and portfolio values will fluctuate throughout the investment period so, if you cannot accept any fall in the value of your portfolio from time to time, then this type of investment is not for you.

Fund
Investment Sector
Risk Rating
Weighting
M&G Optical Income A
Sterling Strategic Bond
3
10%
M&G Corporate Bond A
Sterling Corporate Bond
2
35%
M&G Gilt & Fixed Interest Income Acc
UK Gilt
1 35%
First State Global Properties Securities
Property
3
7.5%
Invesco Perpetual High Income Acc
UK Equity Income
3
7.5%
Blackrock UK Special Situations
UK All Companies
5
5%
Combined Portfolio Risk
  2 100%

Fund Risk Rating: 1 = Very Low risk; 2 = Low risk; 3 = Medium risk; 4 = Medium High risk; 5 = High risk; 6 = Very High risk

 

Risk Warning:

1. Past performance is no guide to future performance

2. The value of each fund will fluctuate in value on a daily basis

3. If you were to withdraw your money, particularly in the early months/years, you may not receive all of your money back