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 higher gains and loss.
Below are the higher risk Heritage Growth (5 & 6) portfolios:
This portfolio has fewer lower risk 'fixed interest' funds (which helps to keep the overall risk of the portfolio down) and a blend of higher risk UK and Overseas funds. The risk is particularly increased due to exposure to funds that invest in emerging markets, which are particularly prone to political problems and also overseas exchange rates. This portfolio is suitable for an investor with a more adventurous risk profile and we suggest investing for at least 12 years or more. Please be aware that fund and portfolio values are likely to fluctuate more frequently throughout the investment period. If you cannot accept potentially larger falls in 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 | 13% |
M&G Corporate Bond A |
Sterling Corporate Bond |
2 | 8% |
First State Global Properties Securities |
Property |
4 | 8% |
Invesco Perpetual High Income Acc |
UK Equity Income |
4 | 13% |
Blackrock UK Special Situations |
UK All Companies |
5 | 6% |
Liontrust UK Smaller Companies |
UK Smaller Companies |
6 | 5% |
Threadneedle American |
North America |
6 | 12% |
Schroder US Midcap |
North America |
6 | 4% |
Threadneedle Eurpean Select |
Europe (excluding UK) |
5 | 6% |
Threadneedle European Smaller Cos |
European Smaller Companies |
6 | 2% |
First State Asia Pacific Leaders |
Asia Pacific excl. Japan |
6 | 6.5% |
Schroder Japan Alpha Plus |
Japan |
6 | 3.5% |
Aberdeen Emerging Markets |
Global Emerging Markets |
6 | 6.5% |
JPM Natural Resources |
Specialist (Commodities) |
6 | 3% |
AXA Framlington Health |
Specialist (Health) |
6 | 3.5% |
Combined Risk Rating |
|
5 | 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
This portfolio has much fewer lower risk 'fixed interest' funds (which helps to keep the overall risk of the portfolio down), no exposure to property and a blend of higher risk UK and Overseas funds. The risk is particularly increased due to exposure to funds that invest in emerging markets, which are particularly prone to political problems and also overseas exchange rates. This portfolio is suitable for an investor with a more adventurous risk profile and we suggest investing for at least 12 years or more. Please be aware that fund and portfolio values are likely to fluctuate much more frequently throughout the investment period. If you cannot accept potentially larger falls in value of your portfolio from time to time, then this type of investment is not for you.
Fund |
Investment Sector |
Risk Rating | Weighting |
|---|---|---|---|
Invesco Perpetual High Income Acc |
UK Equity Income |
4 | 4% |
M&G Optical Income A |
Sterling Strategic Bond |
2 | 15% |
Blackrock UK Special Situations |
UK All Companies |
5 | 3% |
Liontrust UK Smaller Companies |
UK Smaller Companies |
6 | 6% |
Threadneedle American |
North America |
6 | 12% |
Schroder US Midcap |
North America |
6 | 8% |
Threadneedle Eurpean Select |
Europe (excluding UK) |
6 | 6% |
Threadneedle European Smaller Cos |
European Smaller Companies |
6 | 4% |
First State Asia Pacific Leaders |
Asia Pacific excl. Japan |
6 | 12% |
Schroder Japan Alpha Plus |
Japan |
6 | 8% |
Aberdeen Emerging Markets |
Global Emerging Markets |
6 | 12% |
JPM Natural Resources |
Specialist (Commodities) |
6 | 5% |
AXA Framlington Health |
Specialist (Health) |
6 | 5% |
Combined Risk Rating |
|
6 | 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