Global equities
Main long-term growth engine
- Current
- 60%
- Suggested
- 65%
- Difference
- -5%
Build My PortfolioGuidance results
Your portfolio guidance
Demo profileA starting point for your research
Understand your result, choose a manageable way to build it, then compare a small number of fund or ETF examples.
Your result based on these answers
Long-term growth
Your 10-20 years time horizon and answers about market falls support researching a long-term growth approach.
- Risk comfort
- Growth
- Account
- Stocks and Shares ISA
- Horizon
- 10-20 years
- Route to compare
- All-in-one
Current mix
Current mix
Global equities60%
UK equities20%
Bonds20%
Cash / short-term money market0%
Alternatives / property0%
Biggest difference
UK equities differs most: 20% current versus 10% suggested.
Broadly aligned
UK equities
Home-market share exposure
- Current
- 20%
- Suggested
- 10%
- Difference
- +10%
Bonds
Helps smooth ups and downs
- Current
- 20%
- Suggested
- 15%
- Difference
- +5%
Cash / short-term money market
Stability and near-term access
- Current
- 0%
- Suggested
- 5%
- Difference
- -5%
Alternatives / property
Small diversifier
- Current
- 0%
- Suggested
- 5%
- Difference
- -5%
What this means in plain English
You are looking to invest for 10-20 years, so this result focuses on long-term growth. Around 75% of the suggested mix is in company ownership through funds or ETFs. This can improve long-term return potential, but the value can fall significantly during bad markets.
This is guidance and education only. It is not personal financial advice or a recommendation to buy or sell any investment.
Choose a manageable approach
Three ways to build this portfolio
You are choosing how much complexity you want to compare, not choosing an investment today. These are educational ways to build this portfolio style.
Option 1
All-in-one
One diversified multi-asset fund
Best for: I want one fund and minimal maintenance.
Pros
- Simplest to manage
- Built-in diversification
- Less rebalancing effort
Trade-offs
- Less control over the exact mix
- May not match the suggested allocation exactly
- Complexity
- Low
- Maintenance
- Low
You selected: All-in-one
Next: compare multi-asset fund examples.
Take your time
What should I do next?
Your next step is not to rush into a purchase. Compare a small number of examples and decide which route feels easiest to manage.
- 1Choose a build route.
- 2Compare fund/ETF examples.
- 3Read the factsheet or KID.
- 4Check charges and risk.
- 5Decide whether to invest monthly, as a lump sum, or both.
- 6Consider starting small if you are nervous.
Examples to research
Fund/ETF examples to research
Because you selected All-in-one, compare diversified multi-asset funds.
Start here
Multi-asset funds
Because you selected All-in-one, start by understanding how a multi-asset fund combines several asset classes.
Here are 3 examples ranked by the closest product-feature match to your answers.
This ranking compares product features only. It does not assess whether an investment is suitable for you, and we have not collected enough information to decide that.
We rank examples by how closely they match your route, asset class, risk comfort, objective, cost and simplicity. We do not rank simply by recent returns.
Using illustrative MVP data.
Refine these examples
Changing the sort helps you compare examples. It does not turn this into a recommendation.
Example 1 of 3
Balanced Multi-Asset Fund
Example Multi-Asset Manager
Fundaccumulation
Why this appears: Shown because it is a diversified multi-asset example that may be easier for beginners to compare.
This is a product-feature match, not an assessment that the investment is suitable for you.
- Annual charge
- 0.22%
- Income choice
- accumulation
- Risk level
- Medium
Illustrative risk
4/5
Past performance relevant to your horizon
5Y annualised5.8%
10Y annualised5.4%
Past performance does not predict future returns.
View all available performance
1Y7.4%
2Y annualisedN/A
3Y annualised5.1%
5Y annualised5.8%
10Y annualised5.4%
View things to compare and score breakdown
Things to compare
- OCF
- risk level
- accumulation vs income
- holdings/exposure
- factsheet or KID
- whether it fits your time horizon
Scoring method
- asset class match
- 100%
- route suitability
- 100%
- risk alignment
- 100%
- cost
- 85%
- objective alignment
- 100%
- data availability
- 100%
- simplicity
- 100%
Do not choose a fund only because recent returns were high. Past performance is not a reliable guide to future returns.
More details and things to compare+
Example holdings and exposure
Global equities, investment-grade bonds and cash-like assets.
Why this asset class appears
This route uses one diversified fund that holds shares, bonds and sometimes cash internally. It may not match the suggested mix exactly, but it can be easier to manage.
Things to compare
Annual charge, risk, strategy, top holdings, diversification and accumulation or income.
Do not choose based only on last year's return. Compare cost, risk, holdings, whether it is accumulation or income, and whether it fits your time horizon.
As of 2026-05-31Source: Illustrative MVP placeholder data
Fund/ETF examples are for research only, not recommendations. Check charges, risk, holdings and official fund documents before investing. Your capital is at risk and investments can fall as well as rise.
Monetary allocation breakdown
What your selected route means in pounds
Route to compare: All-in-one. This illustrative breakdown puts your contribution into one multi-asset route. The fund itself handles the internal mix.
View route breakdown+
All-in-one multi-asset route
100%The fund handles its internal mix of shares, bonds and cash.
- Monthly
- £500/month
- Lump sum
- £10,000
- Annual monthly total
- £6,000
- Year-one total
- £16,000
Estimated fund charges
Illustrative OCF impact
OCF is usually reflected in fund performance rather than charged as a separate platform fee. Platform fees and dealing charges are not included.
Based on the top-ranked examples currently shown for All-in-one, the estimated weighted OCF is 0.22%, or about £35 on the year-one contribution shown here.
View estimated charge impact+
- Weighted portfolio OCF
- 0.20%
- Estimated annual OCF
- £32
- Impact on monthly contributions
- £12
- Impact on lump sum
- £20
Illustrative projection
A simplified range of possible outcomes
This is not a forecast. It shows how your contributions could look under simplified low, base and high return assumptions.
Total planned contributions in year one
£16,000
low case
£60,878
-£9,122 (-2.3% before OCF)
base case
£104,088
+£34,088 (+6.8% before OCF)
high case
£155,188
+£85,188 (+12.9% before OCF)
Assumptions and important note+
This is an illustrative scenario based on historical data and simplified assumptions. It is not a forecast. Returns can be negative, actual outcomes will vary, and you may get back less than you invest. Basis: 10-year annualised history.
Portfolio review checklist
Before changing anything
- ✓I understand the main types of investments I currently hold.
- ✓I know which areas differ most from the suggested educational mix.
- ✓I have checked whether one holding is a large share of the portfolio.
- ✓I have compared charges, risk level and holdings.
- ✓I understand how future contributions could gradually change the mix.
- ✓I have read the relevant fund factsheets or KIDs.
Before you invest
Common beginner mistakes to avoid
- Choosing only based on last year's return.
- Ignoring charges.
- Investing short-term money in high-risk assets.
- Buying individual shares before understanding diversification.
- Assuming low risk means no risk.
Account reminder
Stocks and Shares ISA: Tax-efficient investing account. The current annual ISA allowance is £20,000.
Beginner glossary
Investing words explained
+
Beginner glossary
Investing words explained
Fund
A basket of investments bought together, helping spread money across many holdings.
ETF
A fund traded on an exchange like a share, often designed to track an index.
Equity / shares
Ownership in a company. Shares can grow over time but can fall significantly.
Bond
A loan to a government or company. Bonds can diversify shares but still carry risk.
Money market fund
A fund holding short-term cash-like investments. It is not the same as protected bank savings.
Cash savings
Money held with a bank or building society, often for nearer-term needs.
Multi-asset fund
An all-in-one fund combining shares, bonds and sometimes cash.
OCF
The ongoing charges figure: an annual percentage estimate of a fund's running costs.
Accumulation
Income generated by the fund is automatically reinvested.
Income
Income generated by the fund is paid out rather than automatically reinvested.
Diversification
Spreading money across investments so one holding has less impact on the whole portfolio.
Rebalancing
Adjusting a portfolio periodically to bring it back towards its intended mix.
How to use this output
This tool does not know your full financial circumstances.
It is designed to help you research, not to tell you what to buy.
A production version should use approved, up-to-date fund data.