Lowest Medium Risk...

(Fair t' middlin!)

The risk scale that we use to build our portfolios is made up of 10 profiles overall (risk profile 1 is 100% cash so we do not run an investment portfolio for this level of risk). This means that the Lowest Medium Risk portfolio is suitable for investors who have an attitude to accepting risk of below average.

This portfolio contains mainly lower- and medium-risk investments such as cash, bonds and property, with a few higher-risk investments such as shares. While a portfolio like this should go up and down in value less than a ‘high-risk’ portfolio, the value of investments can always go down as well as up.

The combined ongoing charges figure (OCF) for the funds in this portfolio is 0.71% per annum.

Our returns

The returns shown here are regarded as simulated as they do not represent a single client account or an average of customer returns. The data is calculated using our model portfolios. The returns are calculated after City House Investors management fees of 0.5% per annum plus Vat. Returns also account for investment fund costs. Dividends have been included on an accrual basis. The charts show returns on a monthly basis. The Last 12 months performance calculated for 12 months to the end of the previous month, the all time performance is from inception on 01.01.2016 to the end of the previous month and the annual performance is based on calendar years. Source of price data: Financial Express

Benchmark returns

Our portfolios are benchmarked against one of the below fund sectors based on the risk profile of the portfolio:

  • UT Mixed Investment 0% – 35% Shares – Very Low Risk and Low Risk portfolios
  • UT Mixed Investment 20% – 60% Shares – Lowest Medium Risk and Low Medium Risk portfolios
  • UT Mixed Investment 40% – 85% Shares – High Medium Risk and Highest Medium Risk portfolios
  • UT Flexible Investment Risk Profiles – High Risk, Very High Risk and Highest Risk portfolios

These fund sectors are provided by the UK Investment Association (IA). IA compute the average returns from a composite of funds which comply with the sectors classification based on the type of asset, region or industry sector in which they invest. These include funds from firms such as Barclays, BlackRock, Fidelity, HSBC, JP Morgan, and others.

Percentage return of  Lowest Medium Risk portfolio Vs  benchmark
  • UK Equities (16.14%)
  • Money Market (13.86%)
  • UK Gilts (12.98%)
  • UK Fixed Interest (12.79%)
  • Global Fixed Int (12.43%)
  • USA Equities (10.98%)
  • Europe Equities (5.46%)
  • Japan Equities (5.32%)
  • Others (5.23%)
  • Property (4.80%)
  • UK (42.53%)
  • North America (19.71%)
  • Money Market (13.97%)
  • Europe ex UK (10.89%)
  • Japan (5.38%)
  • Other (3.87%)
  • Asia Pacific (2.09%)
  • Pacific Basin (1.57%)

Fund
Allocation
UK Equity
18%
 Anthony Cross & Julian Fosh – Liontrust Special Situations
6%
 Nick Train – CF Lindsell Train UK Equity
6%
 Henry Dixon – GLG UK Income
6%
Europe ex UK Equity
5%
 Alexander Darwall – Jupiter European
5%
North American Equity
12%
 Aziz Hamzaogullari – Natixis Loomis Sayles U.S. Equity Leaders
6%
 Stephen Moore – Artemis US Extended Alpha
6%
Japanese Equity
5%
 Chisako Hardie – AXA Framlington Japan
5%
Asia Pacific Ex Japan Equity
4%
 David Gait – Stewart Investors Asia Pacific Leaders
4%

Fund
Allocation
UK Corporate Bond
21%
 Ben Edwards – BlackRock Corporate Bond
7%
 Richard Woolnough – M & G Corporate Bond
7%
 Geoff Hitchin – Marlborough Bond Income
7%
UK Index-Linked Gilt
7%
L&G All Stocks Index Linked Gilt Index
3.5%
Vanguard – UK Inflation-Linked Gilt Index
3.5%
International Bonds
7%
 Claudia Calich – M&G Global Macro Bond
3.5%
 Geoff Hitchin – Marlborough Global Income
3.5%
UK Gilt
6%
Vanguard UK Government Bond Index
3%
iShares UK Gilts All Stocks Index
3%

Fund
Allocation
UK Commercial Property
5%
 Dr. Guy Morrell – HSBC Global Property
5%

Fund
Allocation
Money Market
10%
Craig Inches & Tony Cole – Royal London Cash Plus
5%
Paul Smith – Premier UK Money Market 
5%

Call us on 0344 858 0581

6B Josephs Well, Hanover Walk, Leeds, LS3 1AB     |     simon.dixon@cityhouseinvestors.co.uk