The HC Verbatim active fund range is one of the longest established and most successful risk-managed, multi-asset solutions in the market. Launched in 2010, the fund range has consistently performed within the parameters of each given risk profile.
Why use the HC Verbtim Active Funds:
- The fund managers screen the whole market, through a rigorous fund selection process, to select the most appropriate funds to match the risk mandates in order to maximise potential returns.
- The fund range ratings by leading research agencies demonstrate the consistent performance and management of the funds.
- Expert oversight and governance by the Verbatim Independent Investment Committee.
Actively Managed Children’s Junior Isa
by Verbatim Asset Management
HC Verbatim Portfolio 3
The fund will use a broadly defensive investment strategy with the aim of achieving capital growth over the medium to long term.
HC Verbatim Portfolio 5
The fund will use a balanced strategy with the aim of achieving capital growth over the medium to long term.
HC Verbatim Portfolio 7
The fund will use a growth investment strategy with the aim of achieving capital growth over the medium to long term.
Prudential’s multi-asset team, Prudential Portfolio Management Group (PPMG), are a well-established team of experts who are entrusted with the day to day asset allocation decisions for £170 billion (as at end December 2016) of investors’ money. PPMG manage a growing range of highly competitive multi-asset investment solutions and annuities, on behalf of Prudential UK & Europe.
Prudential’s Dynamic portfolios are actively managed investments. This is where the manager makes specific decisions designed to meet different investment objectives and help target different attitudes to risk.
Actively Managed Children’s Junior ISA
LF Prudential Dynamic 0-30 Portfolio
This portfolio is designed to help limit the risk to capital. It invests mainly in bonds,
but does have some exposure to equities and property.
LF Prudential Dynamic 40-80 Portfolio
The fund is suitable if you are looking for growth potential, albeit with some exposure to bond funds; and you are willing to accept more volatility in your investment strategy.
LF Prudential Dynamic 60-100 Portfolio
The fund is suitable if you are looking for growth potential from equity investments and are willing to accept investment volatility in return for greater growth potential.
It is important to understand your goals, the amount of risk you are prepared to take (how big the ups and downs along the way can be), how long you have to invest for before you set off.
DON'T PUT ALL YOUR EGGS IN ONE BASKET
Make sure that you own a good spread of investments as the best way to spread your risks. This is called diversifying. Our funds are all diversified investments.
Whilst investing in cash can seem like the safest option, over the long term inflation can erode the real value of your savings. A diversified investment should add value over the longer term.
If you are risk averse, regular saving is a good way to invest as it slowly adds your money to an investment rather than investing all in one go, smoothing the up and downs of your investment. But don't forget, less risk means less return in the long run.
By saving £132.50 per month from birth, it is possible to achieve a pot of just over £46,000, based on 5% net growth per annum. This would be enough to cover University and living costs for three years.
(based on average tuition fees of £9,000 p.a. and living costs of £6,000 p.a.)
If they are able to boost those monthly savings to £209.50, they could then achieve a savings pot of £73,462