What we do with your money
Where your money’s invested
Your money is invested in a group of funds, known as a ‘fund of funds’, rather than directly in stocks and shares.
But a fund of funds does ultimately invest in companies. Each fund can buy bits of companies as shares, lend money to them as bonds or use them to invest in things like building projects.
This means, on any given day, your money could be invested in one or more of:
6 regions
Including North America, Europe, UK, Asia Pacific, Japan and emerging markets
11 sectors
Including energy, industrial, IT, healthcare, property and finance
2,000 companies
For example, Microsoft
Investing responsibly
Our investment decisions consider people and the planet. Put simply, we’ll invest more in organisations that do good and less in those than do harm. Here’s how:
Tilts
A way of balancing investments towards companies run well (positive tilt) and away from those run badly (negative tilt). We do this by using an independent score-based system that tracks the whole of the market.
Exclusions
We invest no more than 0.5% of the fund’s value in companies that earn more than 5% of their revenue from tobacco, coal, oil and gas, making controversial weapons or that violate the UN Global Compact principles.
Sustainable investing
Where possible, we’ll invest in companies seeking to grow and achieve positive change for people and/or the planet.
Growth approaches in detail
What is the Asset allocation?
Our experts manage the mix of investments, within the adjustment range and to achieve the approach objectives.
Here’s the detail at 31 December 2025.
Lower risk
1% Cash
16% Short maturity bonds
1% UK Government bonds (Gilts)
14% Global Government bonds
3% UK corporate bonds
24% Global corporate bonds
Higher risk
4% Shares (emerging market)
3% Shares (UK)
2% Real estate investment trusts
24% Shares (overseas developed)
4% Bonds (emerging markets)
4% Bonds (high yield)
What do these terms mean?
Bonds: These are like IOUs, used by companies and governments to raise money. The buyer effectively lends money to the seller, in return for interest on their investment over a set amount of time. When that time’s up, the value is paid back.
Gilts: These are just a type of bond. But instead of lending money to a company, it’s lent to the UK Government.
Shares: A share is a tiny bit of a company. Share owners are called shareholders. If a company does well, shareholders are rewarded with a proportion of the profits, paid out as dividends. The value of shares rises and falls according to the company’s performance, and other factors.
Real estate investment trusts (REITs): These are pools of money gathered by a company from investors. They’re used to buy, manage or invest in property and land (real estate) to generate income – a way of investing in commercial property without needing millions.
Essential reading
Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.
View key investor informationHow the fund invests
These are the top 10 fund of funds this approach invests in.
abrdn Global Corporate Bond Screened Tracker Fund
abrdn Global Government Bond Tracker Fund
abrdn Evolve World Equity Fund
abrdn Short Dated Sterling Corporate Bond Tracker Fund
iShares ESG Sterling Corporate Bond Index Fund
Vontobel Fund – 24 Sustainable Short Term Bond Fund
abrdn Evolve European Equity Index Fund
iShares MSCI Japan ESG Enhanced UCITS ETF
L&G ESG Emerging Markets Government Bond Index Fund
abrdn SICAV I – Responsible Global High Yield Bond Fund
What is the Asset allocation?
Our experts manage the mix of investments, within the adjustment range and to achieve the approach objectives.
Here’s the detail at 31 December 2025.
Lower risk
2% Cash
5% Short maturity bonds
1% UK Government bonds (Gilts)
3% Global Government bonds
1% UK corporate bonds
8% Global corporate bonds
Higher risk
7% Shares (emerging market)
7% Shares (UK)
4% Real estate investment trusts
50% Shares (overseas developed)
5% Bonds (emerging markets)
7% Bonds (high yield)
What do these terms mean?
Bonds: These are like IOUs, used by companies and governments to raise money. The buyer effectively lends money to the seller, in return for interest on their investment over a set amount of time. When that time’s up, the value is paid back.
Gilts: These are just a type of bond. But instead of lending money to a company, it’s lent to the UK Government.
Shares: A share is a tiny bit of a company. Share owners are called shareholders. If a company does well, shareholders are rewarded with a proportion of the profits, paid out as dividends. The value of shares rises and falls according to the company’s performance, and other factors.
Real estate investment trusts (REITs): These are pools of money gathered by a company from investors. They’re used to buy, manage or invest in property and land (real estate) to generate income – a way of investing in commercial property without needing millions.
Essential reading
Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.
How the fund invests
These are the top 10 fund of funds this approach invests in.
abrdn Evolve World Equity Fund
abrdn Evolve European Equity Index Fund
abrdn Evolve American Equity Fund
abrdn Evolve Asia Pacific ex-Japan Equity Index Fund
abrdn Evolve UK Equity Fund
abrdn SICAV I – Responsible Global High Yield Bond Fund
iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
abrdn Global Corporate Bond Screened Tracker Fund
iShares MSCI Japan ESG Enhanced UCITS ETF
L&G ESG Emergin Markets Government Bond Index Fund
What is the Asset allocation?
Our experts manage the mix of investments, within the adjustment range and to achieve the approach objectives.
Here’s the detail at 31 December 2025.
Lower risk
1% Cash
0% Short maturity bonds
0% UK Government bonds (Gilts)
0% Global Government bonds
1% UK corporate bonds
3% Global corporate bonds
Higher risk
11% Shares (emerging market)
8% Shares (UK)
6% Real estate investment trusts
64% Shares (overseas developed)
2% Bonds (emerging markets)
4% Bonds (high yield)
What do these terms mean?
Bonds: These are like IOUs, used by companies and governments to raise money. The buyer effectively lends money to the seller, in return for interest on their investment over a set amount of time. When that time’s up, the value is paid back.
Gilts: These are just a type of bond. But instead of lending money to a company, it’s lent to the UK Government.
Shares: A share is a tiny bit of a company. Share owners are called shareholders. If a company does well, shareholders are rewarded with a proportion of the profits, paid out as dividends. The value of shares rises and falls according to the company’s performance, and other factors.
Real estate investment trusts (REITs): These are pools of money gathered by a company from investors. They’re used to buy, manage or invest in property and land (real estate) to generate income – a way of investing in commercial property without needing millions.
Essential reading
Get detailed info on the investment objectives, charges, past performance and risk levels of this approach in our Key Investor Information document.
How the fund invests
These are the top 10 fund of funds this approach invests in.
abrdn Evolve World Equity Fund
iShares Continental European Equity ESG Index Fund
iShares MSCI Emerging Markets ESG Enhanced UCITS ETF
iShares MSCI USA ESG Enhanced UCITS ETF
abrdn Asia Pacific ex-Japan Tracker Fund
iShares MSCI Japan ESG Enhanced UCITS ETF
abrdn Evolve American Equity Fund
iShares UK Equity ESG Index Fund
abrdn Global REIT Tracker Fund
abrdn Global Corporate Bond Screened Tracker Fund
Let’s get started
We’re ready when you are. Pick an option and let’s go.