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 higher gains and loss.

Below are the higher risk Heritage Growth (5 & 6) portfolios:

 

Heritage Growth 5 Portfolio

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

 

 

Heritage Growth Portfolio 6

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