Our ready-made Governed Portfolios
Our Governed Portfolios are available to our pension and Stocks and Shares ISA customers. They're risk rated, so it's simple to find one that closely matches how much risk you're comfortable taking.
They're made up of a mixture of investments, including:
- Shares – also known as equities, they give you an ownership share in
companies all over the world - Bonds – loans to companies or governments
- Property – generally commercial property, such as office buildings or shopping centres
- Commodities – goods and raw materials like metals, oil, sugar and wheat.
And as part of our Governed Range, the Governed Portfolios benefit from regular hands-on management from our investment experts. They help make sure the portfolios continue to meet their objectives and don't take any more or less risk than they should.
Remember, the value of investments can go down as well as up, and you could get back less than you paid in.
Our Governed Portfolios bring you a range of benefits
- Seven options with different risk levels so you can choose the one that most closely matches how much risk you're comfortable taking
- Experts managing your investments at no extra cost, including regular reviews and ongoing fine-tuning
- Responsible investment approach included
How do the Governed Portfolios work?
Our experts have created seven portfolios with different levels of risk. The higher-risk Governed Portfolios focus on investments with a greater chance of growth but also the most risk of potential losses, such as equities.
Towards the more cautious end of the scale, the Governed Portfolios include a higher proportion of lower-risk investments, such as bonds. These should offer more stable returns, including less significant ups and downs in value. But that comes with the potential for lower returns.
Use our risk profiler tool to see how much investment risk you’re comfortable taking.
The Governed Portfolios are made up of equities, property, commodities, high yield bonds, corporate bonds, government bonds, asset-backed securities and absolute return strategies (including cash).
Governed Portfolio Defensive has the lowest risk and is made up of, in order of highest percentage to lowest percentage: Government bonds, corporate bonds, absolute return strategies (including cash), equities, high yield bonds, commodities and property.
Next is Governed Portfolio Conservative, made up of, in order of highest percentage to lowest percentage: Equities, government bonds, corporate bonds, absolute return strategies (including cash), property, commodities and high yield bonds.
Next is Governed Portfolio Moderate, made up of, in order of highest percentage to lowest percentage: Equities, corporate bonds, government bonds, property, absolute return strategies (including cash), commodities and high yield bonds.
Next is Governed Portfolio Growth, made up of, in order of highest percentage to lowest percentage: Equities, government bonds, property, corporate bonds, absolute return strategies (including cash), commodities and high yield bonds.
Next is Governed Portfolio Enhanced, made up of, in order of highest percentage to lowest percentage: Equities, property, absolute return strategies (including cash), commodities, government bonds, high yield bonds and corporate bonds.
Next is Governed Portfolio Dynamic, made up of, in order of highest percentage to lowest percentage: Equities, property, commodities and high yield bonds.
The Governed Portfolio representing the highest level of risk on the diagram is Governed Portfolio Total Equity, made up of 100% equities.
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