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Essential guide to low risk investment funds

Multi-asset fund ratings [Analysis on 3 years to 30 June 2012] InvestorBee Essential facts for the medium-low risk investor Updated Q2 2012 II 1. How many funds achieved fair returns? Fair return on a £100 investment was £123 over the last 3 years -£41 Worst fund Best +£23 fund -£3 £- +£3 More than | Fair returns I 25 funds fair returns 29 funds Unfair returns 33 funds 2. How did the fee levels affect fair return performance? Funds above fair Fund Funds fee below fair 7 10 The lower the fee (TER: total expense ratio) the fund charged, the more likely it was to achieve or exceed the fair return. TER £ <1.5% 15 19 TER 33 1.5-2% £££ TER >2% 21 12 3. How consistently could funds beat the fair return? 15/87 funds failed to beat the fair return benchmark in more than 7 of the last 12 quarters 24 19 10 9 4 4 No. funds 2 beat fair return in: 1 qtr 2 qtrs 3 qtrs 4 qtrs 5 qtrs 6 qtrs 7 qtrs 8 qtrs 9 qtrs 10 qtrs 11 qtrs 12 qtrs 4. Performance league table for for all 87 funds Aberdeen Managed Distribution Fund: Beat fair return by £23.18 on initial £100 invest- ment after 3 years and after fees. It also beat the fair return in 11 out of 12 quarters. 1st! No. of quarters beat fair return Fair Return Fee Fair return £123 Total net return on £100 after 3 years v fair rating rating (out of 12) Aberdeen Managed Distribution Fund £23.18 11 Fidelity Moneybuilder Balanced Fund £22.18 9 T.Bailey Discovery Balanced Fund £21.15 Jupiter Merlin Income Portfolio £13.33 8 Fidelity Retirement Income Fund A Acc £11.20 8. CF Ruffer Equity & General Fund £10.76 6. HL Multi-Manager Equity & Bond Trust £ 9.56 8 Cirilium Cautious Fund £ 9.02 9 HSBC Income Fund of Funds £ 8.91 8 Hawksmoor IM The Vanbrugh Fund £ 8.31 7 Legal & General Distribution Trust £ 7.82 CF - Cautela Fund £ 7.76 7 Jupiter Distribution Fund £ 7.69 7 Threadneedle Nav Cautious Managed Inc £ 7.56 9 NFU Mutual Cautious Portfolio £ 7.34 9 HSBC Open Global Distribution Fund £ 6.97 7 IFSL Brooks MacDonald Defensive Income £ 5.68 Baring Multi Asset Fund £ 5.51 7 Newton Phoenix MultiAsset Sterling Inc £ 5,16 9 Aviva Fund of Funds Cautious Fund £ 4.81 Schroder Dynamic MultiAsset Fund £ 4.61 6 Sovereign Teachers Cautious Investment £ 4.01 7 Threadneedle Managed Portfolio 4 Fund £ 3.91 7 Henderson Cautious Managed Fund £ 3.66 7 IFSL Brooks Macdonald Fund £ 3.63 7 Santander Cautious Portfolio £ 3.61 5 Scottish Widows - HIFML Defensive £ 3.54 7 Fidelity Multimanager Income Portfolio £ 3.46 8 IM Matterley Regular High Income Fund £ 3.31 8 Fidelity MultiAsset Strategic Fund £ 3.17 5 CF FundQuest Select Cautious Fund £ 2.85 6. Threadneedle Defensive Equity & Bond £ 2.60 8 IFDS Prism Cautious Growth Fund £ 2.54 7 IFSA Omnis Cautious Fund £ 2.10 7 Santander MultiManager Cautious £ 1,93 7 RBS Income Fund £ 1.93 7 Investec Managed Distribution Fund £ 1.41 7 CF Ruffer Total Return Fund £ 1.11 6 Threadneedle (LV=) Diversified Income £ 0.56 7 Cazenove Multimanager Diversity Fund £ 0.45 7 CF - TC Income Portfolio £ 0.44 АХА Fund R(N) GBP -£ 0.15 5 Thesis Optima Income Fund -£ 0.53 Aberdeen MM Cautious Managed Portfolio -£ 0.59 7 Barclays Cautious (Class A Shares) -£ 0.61 7 CF 7IM Income Fund -£ 0.85 7 Prudential Managed Defensive Fund -£ 0.93 4 RBS Cautious Growth Fund -Ε 1.22 3 NatWest Income Fund -Ε 1.59 HSBC Open Global Return Fund -£ 1.95 7 Barclays Income Portfolio Class A Acc -£ 1.95 6. Architas MA Active Moderate Income Fund -£ 2.32 L&G (N) Target Return Trust -£ 2,93 WAY MA Cautious Portfolio Fund -£ 3.12 5 CF - GHC Resilient 4 OEIC -£ 3,17 7 Threadneedle Defensive Fund -£ 3.25 4 CF 7IM Moderately Cautious Fund -£ 3.61 4 Marlborough Cautious Retail -£ 3.79 5 BlackRock Cautious Portfolio Fund -£ 4,07 7 Aviva Investors Diversified Assets Class 1 -£ 4,31 Sarasin GlobalSar - Cautious Fund -£ 4,80 4 CF 7IM AAP Moderately Cautious Fund -£ 5.69 4 Margetts Greystone Cautious Managed -£ 5.71 Ignis Multimanager Cautious -£ 5.98 7 WAY Global Cautious Portfolio Fund -£ 6.00 6 HC Caerus Global Balanced Fund -£ 6.23 6 Aberdeen MM Diversified Alpha Portfolio -£ 6.23 EFA Hallmark Haven -£ 6.54 4 City Financial Diversified Fund -£ 6.91 Aviva Diversified Strategy Class 1 -£ 7.00 HC Caerus Monthly Income Fund -£ 7.01 4 CF Miton Special Situations Portfolio -£ 7.12 6 CF Miton Strategic Portfolio -£ 7,36 5 CF - Danske Fund Income D -£ 8.50 2 SWIP Multi-Manager Diversity Fund -£ 9.26 6. Scottish Widows - HIFML Diversified Return -£10.51 Elite Hasley Multi-Strategy Portfolio -£10.96 Scottish Widows - HIFML Diversified Income -£11.02 IFDS Frontier MAP Balanced Fund -£11.86 5 Insight - Diversified High Income Fund -£12.90 2 Thesis Optima Multi-Asset Strategy Fund -£13.45 4 CF KB - The Ramogan Fund -£15.02 4 F&C Blue Fund -£21.77 2 Margetts Greystone Sagacious -£23.70 Neptune Cautious Managed Fund -£24.26 1 JPM Cautious Total Return Fund -£25.23 3 Barmac AM - The Castleton Growth Fund -£41.20 1 InvestorBee InvestorBee puts data at your fingertips to help you make better, simpler investment decisions. Take the guesswork out of investing at www.InvestorBee.com. Fair return is defined as the average of all returns achieved by UK investors, at this level of riskin the time periodstated. Quarterly fair return benchmarks assumed a dis crete investment within each quarter. 1.4 million portfolios were analys ed in total, from which this riskgroup represents asubs et. Funds compared are multi-ass et and global equity funds with minimum 3 years of history, as defined by the IMA. O O O O O O O O O O O O o O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 0 0 O O O O 0 O 0 O O O O O O 0 0 0 0 0 O O 0 0 O Multi-asset fund ratings [Analysis on 3 years to 30 June 2012] InvestorBee Essential facts for the medium-low risk investor Updated Q2 2012 II 1. How many funds achieved fair returns? Fair return on a £100 investment was £123 over the last 3 years -£41 Worst fund Best +£23 fund -£3 £- +£3 More than | Fair returns I 25 funds fair returns 29 funds Unfair returns 33 funds 2. How did the fee levels affect fair return performance? Funds above fair Fund Funds fee below fair 7 10 The lower the fee (TER: total expense ratio) the fund charged, the more likely it was to achieve or exceed the fair return. TER £ <1.5% 15 19 TER 33 1.5-2% £££ TER >2% 21 12 3. How consistently could funds beat the fair return? 15/87 funds failed to beat the fair return benchmark in more than 7 of the last 12 quarters 24 19 10 9 4 4 No. funds 2 beat fair return in: 1 qtr 2 qtrs 3 qtrs 4 qtrs 5 qtrs 6 qtrs 7 qtrs 8 qtrs 9 qtrs 10 qtrs 11 qtrs 12 qtrs 4. Performance league table for for all 87 funds Aberdeen Managed Distribution Fund: Beat fair return by £23.18 on initial £100 invest- ment after 3 years and after fees. It also beat the fair return in 11 out of 12 quarters. 1st! No. of quarters beat fair return Fair Return Fee Fair return £123 Total net return on £100 after 3 years v fair rating rating (out of 12) Aberdeen Managed Distribution Fund £23.18 11 Fidelity Moneybuilder Balanced Fund £22.18 9 T.Bailey Discovery Balanced Fund £21.15 Jupiter Merlin Income Portfolio £13.33 8 Fidelity Retirement Income Fund A Acc £11.20 8. CF Ruffer Equity & General Fund £10.76 6. HL Multi-Manager Equity & Bond Trust £ 9.56 8 Cirilium Cautious Fund £ 9.02 9 HSBC Income Fund of Funds £ 8.91 8 Hawksmoor IM The Vanbrugh Fund £ 8.31 7 Legal & General Distribution Trust £ 7.82 CF - Cautela Fund £ 7.76 7 Jupiter Distribution Fund £ 7.69 7 Threadneedle Nav Cautious Managed Inc £ 7.56 9 NFU Mutual Cautious Portfolio £ 7.34 9 HSBC Open Global Distribution Fund £ 6.97 7 IFSL Brooks MacDonald Defensive Income £ 5.68 Baring Multi Asset Fund £ 5.51 7 Newton Phoenix MultiAsset Sterling Inc £ 5,16 9 Aviva Fund of Funds Cautious Fund £ 4.81 Schroder Dynamic MultiAsset Fund £ 4.61 6 Sovereign Teachers Cautious Investment £ 4.01 7 Threadneedle Managed Portfolio 4 Fund £ 3.91 7 Henderson Cautious Managed Fund £ 3.66 7 IFSL Brooks Macdonald Fund £ 3.63 7 Santander Cautious Portfolio £ 3.61 5 Scottish Widows - HIFML Defensive £ 3.54 7 Fidelity Multimanager Income Portfolio £ 3.46 8 IM Matterley Regular High Income Fund £ 3.31 8 Fidelity MultiAsset Strategic Fund £ 3.17 5 CF FundQuest Select Cautious Fund £ 2.85 6. Threadneedle Defensive Equity & Bond £ 2.60 8 IFDS Prism Cautious Growth Fund £ 2.54 7 IFSA Omnis Cautious Fund £ 2.10 7 Santander MultiManager Cautious £ 1,93 7 RBS Income Fund £ 1.93 7 Investec Managed Distribution Fund £ 1.41 7 CF Ruffer Total Return Fund £ 1.11 6 Threadneedle (LV=) Diversified Income £ 0.56 7 Cazenove Multimanager Diversity Fund £ 0.45 7 CF - TC Income Portfolio £ 0.44 АХА Fund R(N) GBP -£ 0.15 5 Thesis Optima Income Fund -£ 0.53 Aberdeen MM Cautious Managed Portfolio -£ 0.59 7 Barclays Cautious (Class A Shares) -£ 0.61 7 CF 7IM Income Fund -£ 0.85 7 Prudential Managed Defensive Fund -£ 0.93 4 RBS Cautious Growth Fund -Ε 1.22 3 NatWest Income Fund -Ε 1.59 HSBC Open Global Return Fund -£ 1.95 7 Barclays Income Portfolio Class A Acc -£ 1.95 6. Architas MA Active Moderate Income Fund -£ 2.32 L&G (N) Target Return Trust -£ 2,93 WAY MA Cautious Portfolio Fund -£ 3.12 5 CF - GHC Resilient 4 OEIC -£ 3,17 7 Threadneedle Defensive Fund -£ 3.25 4 CF 7IM Moderately Cautious Fund -£ 3.61 4 Marlborough Cautious Retail -£ 3.79 5 BlackRock Cautious Portfolio Fund -£ 4,07 7 Aviva Investors Diversified Assets Class 1 -£ 4,31 Sarasin GlobalSar - Cautious Fund -£ 4,80 4 CF 7IM AAP Moderately Cautious Fund -£ 5.69 4 Margetts Greystone Cautious Managed -£ 5.71 Ignis Multimanager Cautious -£ 5.98 7 WAY Global Cautious Portfolio Fund -£ 6.00 6 HC Caerus Global Balanced Fund -£ 6.23 6 Aberdeen MM Diversified Alpha Portfolio -£ 6.23 EFA Hallmark Haven -£ 6.54 4 City Financial Diversified Fund -£ 6.91 Aviva Diversified Strategy Class 1 -£ 7.00 HC Caerus Monthly Income Fund -£ 7.01 4 CF Miton Special Situations Portfolio -£ 7.12 6 CF Miton Strategic Portfolio -£ 7,36 5 CF - Danske Fund Income D -£ 8.50 2 SWIP Multi-Manager Diversity Fund -£ 9.26 6. Scottish Widows - HIFML Diversified Return -£10.51 Elite Hasley Multi-Strategy Portfolio -£10.96 Scottish Widows - HIFML Diversified Income -£11.02 IFDS Frontier MAP Balanced Fund -£11.86 5 Insight - Diversified High Income Fund -£12.90 2 Thesis Optima Multi-Asset Strategy Fund -£13.45 4 CF KB - The Ramogan Fund -£15.02 4 F&C Blue Fund -£21.77 2 Margetts Greystone Sagacious -£23.70 Neptune Cautious Managed Fund -£24.26 1 JPM Cautious Total Return Fund -£25.23 3 Barmac AM - The Castleton Growth Fund -£41.20 1 InvestorBee InvestorBee puts data at your fingertips to help you make better, simpler investment decisions. Take the guesswork out of investing at www.InvestorBee.com. Fair return is defined as the average of all returns achieved by UK investors, at this level of riskin the time periodstated. Quarterly fair return benchmarks assumed a dis crete investment within each quarter. 1.4 million portfolios were analys ed in total, from which this riskgroup represents asubs et. Funds compared are multi-ass et and global equity funds with minimum 3 years of history, as defined by the IMA. O O O O O O O O O O O O o O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 0 0 O O O O 0 O 0 O O O O O O 0 0 0 0 0 O O 0 0 O

Essential guide to low risk investment funds

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This infographic is designed to help normal people decide how to invest in lower risk investment funds. InvestorBee is a data-driven, independent site which provides the objective facts and simple too...

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