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PERSONAL PORTFOLIO FUNDs

The Personal Portfolio Funds are managed to a range of risk profiles, offering you choices depending on your individual objectives and appetite for risk. You can invest in the funds online. If you are unsure about investing, you may wish to speak to an adviser.

Why Choose

Personal Portfolio Funds?

The Personal Portfolio Funds offer you a simple route into a diversified portfolio and may be used as a stand-alone solution or as a core holding in a diversified investment portfolio. Before outlining the benefits it is important to note the value of investments and the income from them can go down as well as up and you may not recover the amount of your original investment. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment and the income from it to go up or down.

Risk Managed

The fund range comprises a selection of five Personal Portfolio Funds that offer a range of lower to higher risk investment approaches, and aims to provide a mix of risk and return over the medium to longer-term.

Coutts Experts

Coutts has a long-standing history of investing for exceptional individuals. The Personal Portfolio Funds are actively managed and monitored daily by our team of investment professionals.

Simple and Diversified

The Personal Portfolio Funds offer a simple approach to a diversified portfolio, investing in a range of underlying investment opportunities.  The funds aims to provide returns from both capital and income, with any income reinvested rather than paid away as a dividend.  

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The Personal Portfolio Funds provide exposure to a blend of assets:

Equities

Typically through collective investment schemes (also known as “funds”) across equity markets such as the UK, Europe, the US, Japan and emerging markets.

Bonds

Either through a basket of gilts or indirectly through funds in fixed and variable interest-bearing securities such as UK government bonds, corporate bonds and emerging market debt.

Cash

Cash may be held for example, during market fluctuations. Cash holdings will include overnight deposits and short-dated money market investments.

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The Funds and

latest prices

  • Personal portfolio 1 fund

    Typical investor: Conservative

    Personal Portfolio 1 Fund is designed for investors who are conservative with their investments and willing to take a small degree of investment risk to achieve relatively stable returns; and who accept the risk of short term, minor fluctuations in the value of their investments with the potential for losses to their capital.

     

    Investment Policy

    Coutts Fund Managers will actively select a mix of assets (e.g. equities and bonds) and the combination of developed and emerging markets best placed to meet the overall objective of the Fund. The Fund will invest at least 70% of its Net Asset Value in bonds with some exposure to equities. The Investment Manager will aim to follow an index-tracking approach with exposure typically gained through direct gilts and other collective investment schemes. The Fund may not be appropriate for investors who plan to withdraw their money within 5 years.


    Literature

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  • Personal portfolio 2 fund

    Typical investor: Cautious

    Personal Portfolio 2 Fund is designed for investors who are cautious with their investment, preferring a modest degree of investment risk in order to achieve potentially improved investment returns; and accept the risk of moderate yet frequent fluctuations in value with the potential for losses to their capital.

     

    Investment Policy

    Coutts Fund Managers will actively select a mix if assets (e.g. equities and bonds) and the  combination of developed and emerging markets. The Fund will invest at least 50% of its Net Asset Value in bonds with some exposure to equities. The Investment Manager will aim to follow an index-tracking approach with exposure typically gained through direct gilts and other collective investment schemes. .The Fund may not be appropriate for investors who plan to withdraw their money within 5 years.


    Literature

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  • Personal portfolio 3 fund

    Typical investor: Balanced

    Personal Portfolio 3 Fund is designed for investors who are balanced in their risk tolerance and prepared to accept risk with their investment where this could result in improved long-term returns, who accept the risk of frequent and potentially significant fluctuations in value, and the potential for losses to their capital.

     

    Investment Policy

    Coutts Fund managers will actively select a mix of assets (e.g. equities and bonds) and the combination developed and emerging markets, best placed to meet the overall objective of the Fund. The Fund will invest at least 45% of its Net Asset Value in equities with some exposure to bonds. The Investment Manager will aim to follow an index-tracking approach with exposure typically gained through direct gilts and other collective investment schemes.  The Fund may not be appropriate for investors who plan to withdraw their money within 5 years.


    Literature

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  • Personal portfolio 4 fund

    Typical investor: Assertive

    Personal Portfolio 4 Fund is designed for investors who are assertive with their investments and prepared and comfortable with the risk of sustained periods of poorer performance in order to achieve potentially higher longer-term returns. Investors accept the risk of frequent and considerable fluctuations in value, and the potential for losses to their capital.

     

    Investment Policy

    Coutts Fund Mangers will actively select a mix of assets (e.g. equities and bonds) and the combination of developed and emerging markets, best placed to meet the overall objective of the Fund. The Fund will invest at least 65% of its Net Asset Value in equities with some exposure to bonds. The Investment Manager will aim to follow an index-tracking approach with exposure typically gained through direct gilts and other collective investment schemes.  The Fund may not be appropriate for investors who plan to withdraw their money within 5 years.


    Literature

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  • Personal portfolio 5 fund

    Typical investor: Adventurous

    Personal Portfolio 5 Fund is designed for investors who are adventurous with their investments and focused on investments which could provide much higher returns. Investors should be comfortable with the risk of lengthy periods of poorer performance in order to achieve potentially strong returns; and who accept the risk of large fluctuations in value, and the potential for losses to their capital.

     

    Investment Objective

    Coutts Fund Managers will actively select a mix of assets (e.g. equities and bonds) and the combination developed and emerging markets, best placed to meet the overall objective of the Fund. The Fund will invest at least 90% of its Net Asset Value in equities with some cash. The Investment Manager will aim to follow an index-tracking approach with exposure gained typically through other collective investment schemes.  The Fund may not be appropriate for investors who plan to withdraw their money within 5 years.  


    Literature

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  • Latest prices

    ISIN Fund name Currency NAV Date
    IE00BYYCCK33 Personal Portfolio 5 Fund Class A - Accumulating GBP 1.7525 24/11/2022
    IE00BYYCCH04 Personal Portfolio 4 Fund Class A - Accumulating GBP 1.5315 24/11/2022
    IE00BYYCCF89 Personal Portfolio 3 Fund Class A - Accumulating GBP 1.3546 24/11/2022
    IE00BYYCCC58 Personal Portfolio 2 Fund Class A - Accumulating GBP 1.2393 24/11/2022
    IE00BYYCC925 Personal Portfolio 1 Fund Class A - Accumulating GBP 1.1014 24/11/2022

    Page Last Updated: Sat Nov 26 16:29:12 CET 2022

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  • Glossary

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Important

Information

The value of investments and the income from them can go down as well as up and you may not recover the amount of your original investment. Where an investment involves exposure to a foreign currency, changes in rates of exchange may cause the value of the investment and the income from it to go up or down. Past performance and any projected returns should not be taken as a guide to future performance.

The information, products and services referred to on this website are not directed at any person or entity in any jurisdiction or country outside those where these may lawfully be offered.

This website is a Financial Promotion for UK regulatory purposes.

The personal portfolio funds are sub-funds of Equator ICAV, an open ended investment company with variable capital incorporated in Ireland and authorised by the Central Bank of Ireland pursuant to the European Communities Undertakings for Collective Investment in Transferable Securities Regulations, 2011 as amended, supplemented and consolidated from time to time.

This website is intended to provide a summary of certain features of the fund so you can consider if it might be of interest to you however, nothing on this website should be construed as a solicitation or offer, or recommendation, to buy or sell securities or any other investment or banking product, or to provide any investment advice or service. Nothing contained on this website constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision.

Before investing, you should review the fund’s prospectus, supplemental prospectus and key investor information document. Copies of these are available from your Private Banker or on this site. If you are in any doubt as to whether to invest you should obtain relevant and specific professional advice before making any investment decision.

The information contained in this website is believed to be correct as at today’s date, but cannot be guaranteed. Opinions and projections constitute our judgment as at today’s date and are subject to change. To the extent permitted by law and regulation neither Coutts & Co nor any connected company accepts responsibility for any direct or indirect or consequential loss suffered by you or any other person as a result of your acting, or deciding not to act, in reliance upon the above.

Not all products and services offered by the individual Coutts companies are available in all jurisdictions and some products and services may be available only through particular Coutts companies. Certain aspects of the service may be performed through, or with the support of, different members of The NatWest Group, of which Coutts & Co is a member.

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