Model Portfolio Directory

Model Portfolios

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An exciting way to invest

Created by Money Observer associate editor Andrew Pitts, our model portfolio range consists of 12 portfolios catering for medium and higher risk profiles, income or growth aims and different time horizons. These portfolios are available at just £10 per portfolio, saving you up to £60 on dealing fees (quarterly account fees apply). Your investment amount will be evenly split among the underlying assets.

Growth Portfolios

Our six growth portfolios are divided into three categories. One category is designed for short-term investors (5-9 years), one for the medium term (10-14 years) and one for the long term (15 years-plus).

With the shorter-term portfolios we have tried to place a greater emphasis on capital preservation so a more cautious approach is taken, even with the higher-risk version.Due to this approach the returns on the two short-term portfolios since inception have been at the lower end of the spectrum.

Generally speaking the more time you have on your side, the more speculative you can be as you have longer to ride out market fluctuations. This can sometimes also produce good short-term results, but during 2015 our higher-risk portfolios were outperformed by their medium-risk counterparts.

Model Portfolio performance since inception on 1 January 2012*
The Growth Portfolios Medium risk ID Higher risk ID
Short Term Growth 33.1% Alpha 46.5% Delta
Medium Term Growth 51.1% Bravo 31.1% Echo
Longer Term Growth 53.8% Charlie 47.2% Foxtrot

Income Portfolios

Our six income-based Model Portfolios are divided into three categories to reflect investors' initial income requirements as well as their risk profiles.

For those who need their capital to generate a high income as quickly as possible, we created two immediate income portfolios which currently yield over 4% net of tax, while the balanced and growing income portfolios yield between 3 and 3.9% net (FE data to 1 January 2016).

All of the portfolios are expected to produce an increasing income and some capital growth. However, the immediate income portfolios are designed more with capital preservation in mind, while the growing income portfolios provide greater potential for capital growth but may be more volatile. The balanced income portfolios are intended as a middle way.

Model Portfolio performance since inception on 1 January 2012*
The Income Portfolios Medium risk ID Higher risk ID
Immediate Income 42.3% Golf 56.3% Juliet
Balanced Income 45.6% Hotel 67.8% Kilo
Growing Income 66.0% India 79.4% Lima


*Period from 1 January 2012-1 January 2016, bid-to-bid, net income reinvested. Source: FE Analytics.
Alpha

Short-term growth portfolio, medium risk.

+20.5% after 3 years*

Portfolio details
Bravo

Medium-term growth portfolio, medium risk.

+24.8% after 3 years*

Portfolio details
Charlie

Long-term growth portfolio, medium risk.

+23.8% after 3 years*

Portfolio details
Delta

Short-term growth portfolio, higher risk.

+20.7% after 3 years*

Portfolio details
Echo

Medium-term growth portfolio, higher risk.

+5.2% after 3 years*

Portfolio details
Foxtrot

Long-term growth portfolio, higher risk.

+10.1% after 3 years*

Portfolio details


*Performance of portfolios from 1 April 2013 to 1 April 2016.

Important information

We have presented information so that you can make informed decisions. Although we have assembled the model portfolios, the decision as to which portfolio is best suited to your needs is taken by you on an execution only basis. For the avoidance of doubt, we do not assess the suitability of these investments against your individual circumstances and this is not deemed to be a personal recommendation. Your investment amount will be evenly split among the underlying assets. Some individual constituents within our model portfolios may have a different risk rating than that of the overall model portfolios. While Money Observer monitors constituent weightings in each of the 12 model portfolios, investors in the portfolios should be aware that allocations to each of the model portfolio's constituents are made on an equally weighted basis, rather than the weightings that are reflected in the fact sheet. This means performance experienced by investors is unlikely to be directly comparable with the performance quoted in the factsheet.
Golf

Immediate income portfolio, medium risk.

+14.1% after 3 years*

Portfolio details
Hotel

Balanced income portfolio, medium risk.

+18.3% after 3 years*

Portfolio details
India

Growing income portfolio, medium risk.

+28.1% after 3 years*

Portfolio details
Juliet

Immediate income portfolio, higher risk.

+25.9% after 3 years*

Portfolio details
Kilo

Balanced income portfolio, higher risk.

+28.7% after 3 years*

Portfolio details
Lima

Growing income portfolio, higher risk.

+28.7% after 3 years*

Portfolio details


*Performance of portfolios from 1 April 2013 to 1 April 2016.

After your investment

The portfolio constituents will be reviewed regularly by Money Observer. Any new selections and analysis will be distributed to you as an investor in one of our model portfolios. At that point you will have the option to act on the recommendations.

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