low case
£14,472
-£1,528 (-9.6%)
Build My PortfolioGuidance results
Your educational guidance
Demo profileGrowth
Long-term, growth accumulation-focused
A practical starting point for understanding risk and researching a diversified investment approach.
This is guidance and education only. It is not personal financial advice or a recommendation to buy or sell any investment.
Risk profile
How your answers shaped the result
- Your answers indicate a long-term focus and a willingness to accept meaningful market fluctuations for growth potential.
- Your 10-20 years investment horizon provides more time to ride out periods of market volatility.
- You selected a growth risk comfort level and said “i would feel uncomfortable but stay invested” after a hypothetical 20% fall.
Investment style
Long-term, growth accumulation-focused
Beginner guide
Understanding the building blocks
These are the main types of saving and investment used in the suggested allocation.
Cash savings+
Bank or building society accounts for money you may need soon. They are not investments, and inflation can reduce spending power.
Money market funds+
Funds holding short-term cash-like instruments. They aim for stability but can still fall in value.
Bonds+
Loans to governments or companies. Bond funds can help diversify shares, but their value can rise or fall.
Funds and ETFs+
Pooled investments that can spread money across many holdings. ETFs trade on an exchange like shares.
Shares and equities+
Ownership in companies. They offer long-term growth potential but can experience significant falls.
Multi-asset funds+
Single funds combining assets such as shares, bonds and cash according to a chosen strategy.
Account type guidance
Stocks and Shares ISA
Tax-efficient investing account. The current annual ISA allowance is £20,000.
Suggested asset allocation
A broad mix to explore
This illustrative allocation is based only on your questionnaire answers and does not account for your full financial position.
Growth
mix
mix
Global equities
Broad exposure to companies across developed and emerging markets.
65%
UK equities
A measured allocation to the domestic UK market.
10%
Bonds
Diversification and typically lower volatility than equities.
15%
Cash / short-term money market
Capital stability and access for nearer-term needs.
5%
Alternatives / property
A small diversifier outside traditional shares and bonds.
5%
Monetary allocation breakdown
What the suggested mix means in pounds
| Asset class | Monthly | Annual equivalent | Lump sum | Annual total |
|---|---|---|---|---|
| Global equities (65%) | £325/month | £3,900 | £6,500 | £10,400 |
| UK equities (10%) | £50/month | £600 | £1,000 | £1,600 |
| Bonds (15%) | £75/month | £900 | £1,500 | £2,400 |
| Cash / short-term money market (5%) | £25/month | £300 | £500 | £800 |
| Alternatives / property (5%) | £25/month | £300 | £500 | £800 |
Illustrative 1-year projection
A simplified range of possible outcomes
This is not a forecast. It applies static low, base and high return assumptions to the suggested asset allocation and total planned contributions.
Total planned contributions over 12 months
£16,000
base case
£16,968
+£968 (+6.1%)
high case
£18,416
+£2,416 (+15.1%)
This is an illustrative scenario using simplified assumptions. Actual returns can be higher or lower and you may get back less than you invest.
Current holdings comparison
Current mix versus suggested allocation
Global equities
Current 60%
Suggested 65%
Broadly alignedUK equities
Current 20%
Suggested 10%
OverweightBonds
Current 20%
Suggested 15%
Broadly alignedCash / short-term money market
Current 0%
Suggested 5%
Broadly alignedAlternatives / property
Current 0%
Suggested 5%
Broadly alignedAsset-class examples to research
Funds and ETFs to research for each part of the allocation
These are illustrative examples to research, not recommendations. Compare each product's official documents, risks, charges and suitability before making any decision.
Fund charges, risk levels and return ranges shown here are illustrative placeholder values for MVP purposes. A production version should use licensed market data, platform-approved fund data or client-supplied data.
Research examples for this asset class
Global equities
Broad exposure to companies across developed and emerging markets.
65% allocation
Vanguard FTSE Global All Cap Index Fund
Vanguard
- OCF
- 0.23%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-12%
Base case7%
High case18%
Illustrative broad global equity index fund covering developed and emerging markets.
Example exposure: Thousands of large, mid and smaller companies worldwide.
HSBC FTSE All-World Index Fund
HSBC Asset Management
- OCF
- 0.13%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-12%
Base case7%
High case18%
Illustrative low-cost fund tracking large and mid-sized companies across global markets.
Example exposure: Developed and emerging-market equities.
iShares Core MSCI World UCITS ETF
BlackRock / iShares
- OCF
- 0.20%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-12%
Base case7%
High case18%
Illustrative ETF focused on large and mid-sized companies in developed markets.
Example exposure: US, Europe, Japan and other developed markets.
Research examples for this asset class
UK equities
A measured allocation to the domestic UK market.
10% allocation
Vanguard FTSE UK All Share Index Unit Trust
Vanguard
- OCF
- 0.06%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-10%
Base case6%
High case15%
Illustrative index fund covering a broad range of UK-listed companies.
Example exposure: Large, mid and smaller UK companies.
iShares Core FTSE 100 UCITS ETF
BlackRock / iShares
- OCF
- 0.07%
- Income use
- Income
Illustrative risk
4/5
Illustrative 1Y range
Low case-10%
Base case6%
High case15%
Illustrative ETF tracking the largest companies listed in the UK.
Example exposure: FTSE 100 companies across sectors including financials and energy.
HSBC FTSE 250 Index Fund
HSBC Asset Management
- OCF
- 0.06%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-10%
Base case6%
High case15%
Illustrative fund focused on medium-sized UK-listed companies.
Example exposure: FTSE 250 companies with greater domestic UK exposure.
Research examples for this asset class
Bonds
Diversification and typically lower volatility than equities.
15% allocation
Vanguard Global Bond Index Fund
Vanguard
- OCF
- 0.15%
- Income use
- Accumulation
Illustrative risk
3/5
Illustrative 1Y range
Low case-3%
Base case3%
High case7%
Illustrative diversified global investment-grade bond fund with sterling hedging.
Example exposure: Government and corporate bonds across global markets.
iShares Core Global Aggregate Bond UCITS ETF GBP Hedged
BlackRock / iShares
- OCF
- 0.10%
- Income use
- Accumulation
Illustrative risk
3/5
Illustrative 1Y range
Low case-3%
Base case3%
High case7%
Illustrative ETF providing broad global bond exposure with GBP currency hedging.
Example exposure: Global government, corporate and securitised bonds.
Legal & General All Stocks Gilt Index Trust
Legal & General
- OCF
- 0.10%
- Income use
- Income
Illustrative risk
3/5
Illustrative 1Y range
Low case-3%
Base case3%
High case7%
Illustrative index fund focused on UK government bonds.
Example exposure: A range of conventional UK gilts.
Research examples for this asset class
Cash / short-term money market
Capital stability and access for nearer-term needs.
5% allocation
Royal London Short Term Money Market Fund
Royal London
- OCF
- 0.10%
- Income use
- Income
Illustrative risk
1/5
Illustrative 1Y range
Low case2%
Base case4%
High case5%
Illustrative short-term money market fund seeking capital stability and liquidity.
Example exposure: Short-dated sterling deposits and money market instruments.
abrdn Sterling Money Market Fund
abrdn
- OCF
- 0.15%
- Income use
- Accumulation
Illustrative risk
1/5
Illustrative 1Y range
Low case2%
Base case4%
High case5%
Illustrative sterling liquidity fund investing in short-term instruments.
Example exposure: Sterling deposits, certificates of deposit and commercial paper.
BlackRock ICS Sterling Liquidity Fund
BlackRock
- OCF
- 0.10%
- Income use
- Income
Illustrative risk
1/5
Illustrative 1Y range
Low case2%
Base case4%
High case5%
Illustrative institutional-style sterling liquidity fund.
Example exposure: High-quality short-term sterling money market instruments.
Research examples for this asset class
Alternatives / property
A small diversifier outside traditional shares and bonds.
5% allocation
iShares UK Property UCITS ETF
BlackRock / iShares
- OCF
- 0.40%
- Income use
- Income
Illustrative risk
4/5
Illustrative 1Y range
Low case-8%
Base case5%
High case12%
Illustrative ETF providing exposure to UK-listed property companies and REITs.
Example exposure: UK commercial property companies and real estate investment trusts.
Legal & General Global Real Estate Dividend Index Fund
Legal & General
- OCF
- 0.20%
- Income use
- Income
Illustrative risk
4/5
Illustrative 1Y range
Low case-8%
Base case5%
High case12%
Illustrative global listed-property fund with an income focus.
Example exposure: Global real estate companies and REITs.
HSBC FTSE EPRA NAREIT Developed Index Fund
HSBC Asset Management
- OCF
- 0.18%
- Income use
- Accumulation
Illustrative risk
4/5
Illustrative 1Y range
Low case-8%
Base case5%
High case12%
Illustrative index fund covering developed-market listed real estate.
Example exposure: Property companies and REITs across developed markets.