Charles Stanley
Multi Asset Funds

Ready-Made Investments Managed by Our Experts

What are your investment goals?

Growth

Growth

Income

High Income

Growth
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Growth

Growth investing means targeting assets that are expected to increase in value over time, with the objective of increasing capital while keeping to a chosen level of risk.

Growth investors are not necessarily looking for capital appreciation alone but are interested in maximising overall returns for the amount of risk taken. Therefore all types of asset can be considered including income-producing ones, and a diverse growth portfolio would contain exposure a number of asset classes. With no requirement for income some investors looking for growth are more likely to be willing to consider higher risk areas of the market such as smaller companies or emerging markets to maximise the long term potential of their portfolio, so long as their capacity for risk (in terms of the ability to absorb losses) is higher. Whatever the level of risk taken, all investments are subject to market fluctuations and can fall in value as well as rise.

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What is your risk tolerance?

  • Cautious

    Cautious

  • Balanced

    Balanced

  • Growth

    Growth

  • Adventurous

    Adventurous

High Income
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High Income

Investors seeking high income usually require sustainable cash flow to help fund their living expenses or lifestyle, commonly in retirement. A combination of bonds and dividend-paying equities are usually chosen to form the core of an income portfolio with other assets classes added for diversification.

Typically, income investing involves a cautious approach as investors require regular, predictable cash payments from their portfolio alongside relative stability of capital; though there needs to be a trade-off between generating sufficient income and taking an appropriate level of risk. The Charles Stanley Monthly High Income is designed for cautious investors in this regard but like all investments it can fall as well as rise in value.

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Cautious

Cautious investors are normally looking at 'safer' places, such as good-quality bonds, for a significant proportion of their money. However, being too cautious may mean an investment does not keep up with increases in the cost of living. A typical cautious portfolio is therefore broad, aiming for modest returns with some exposure to shares. However, there is usually a bias in favour of cash and bonds for a more ‘medium-low’ risk outlook that limits falls in value.

Cautious

MI Charles Stanley Multi Asset Cautious Fund
Invest from £50 per month

Annual Cost: 1.52%
As measured by Total Ongoing Charges (TOC)

Performance Target before charges*:
Inflation + 1%
*inflation means Consumer Prices Index (CPI)

Fund Manager's Investment Objective
The Fund aims to deliver investment returns before charges in excess of UK inflation (as measured by the Consumer Prices Index) plus 1% per annum, over a 5-year period.

Fund Manager's Investment Philosophy / Process
We believe in taking a long term investment approach focusing on real returns across a diversified portfolio of global assets.
We focus on strategic asset allocation as a primary driver of managing not only returns, but also risk.
We maintain flexibility to adjust positioning in light of market conditions.
The strategy is implemented through a blend of passive and active funds, with the capacity to invest directly in individual equities and fixed income securities.

Product Type
Singled-priced, Open-Ended Investment Company (OEIC). UCITS, UK Domicile.

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  • Sector
  • Region

MI Charles Stanley Multi Asset Cautious Fund
Invest from £50 per month

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Balanced

A balanced approach is considered ‘medium risk’. It means being willing to tolerate some short-term fluctuations in value in order to achieve the potential for better long-term returns, typically controlling risk through holding a broad spread of investments but typically maintaining a bias to shares. If one area does badly others could make up for it, so when constructing a balanced portfolio it is important to consider which assets are correlated (i.e. move up and down in tandem) and which can offer diversification by behaving differently.

Balanced

MI Charles Stanley Multi Asset Moderate Fund
Invest from £50 per month

Annual Cost: 1.5%
As measured by Total Ongoing Charges (TOC)

Performance Target before charges*:
Inflation + 2%
*inflation means Consumer Prices Index (CPI)

Fund Manager's Investment Objective
The Fund aims to deliver investment returns before charges in excess of UK inflation (as measured by the Consumer Prices Index) plus 2% per annum, over a 5-year period.

Fund Manager's Investment Philosophy / Process
We believe in taking a long term investment approach focusing on real returns across a diversified portfolio of global assets.
We focus on strategic asset allocation as a primary driver of managing not only returns, but also risk.
We maintain flexibility to adjust positioning in light of market conditions.
The strategy is implemented through a blend of passive and active funds, with the capacity to invest directly in individual equities and fixed income securities.

Product Type
Singled-priced, Open-Ended Investment Company (OEIC). UCITS, UK Domicile.

View Portfolio Allocation by

  • Assets
  • Sector
  • Region

MI Charles Stanley Multi Asset Moderate Fund
Invest from £50 per month

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Growth

A growth or ‘medium-high’ risk outlook means aiming for high returns by prioritising more volatile, but potentially more rewarding, assets. This generally means the bulk of the portfolio is invested in shares and significant short-term volatility is to be expected - so a long-term horizon and a commitment to stay invested are required. However, there is some diversification into other asset classes in order to temper the extent of ups and downs and provide smoother overall performance than an adventurous portfolio.

Growth

MI Charles Stanley Multi Asset Growth Fund
Invest from £50 per month

Annual Cost: 1.6%
As measured by Total Ongoing Charges (TOC)

Performance Target before charges*:
Inflation + 3%
*inflation means Consumer Prices Index (CPI)

Fund Manager's Investment Objective
The Fund aims to deliver investment returns before charges in excess of UK inflation (as measured by the Consumer Prices Index) plus 3% per annum, over a 5-year period.

Fund Manager's Investment Philosophy / Process
We believe in taking a long term investment approach focusing on real returns across a diversified portfolio of global assets.
We focus on strategic asset allocation as a primary driver of managing not only returns, but also risk.
We maintain flexibility to adjust positioning in light of market conditions.
The strategy is implemented through a blend of passive and active funds, with the capacity to invest directly in individual equities and fixed income securities.

Product Type
Singled-priced, Open-Ended Investment Company (OEIC). UCITS, UK Domicile.

View Portfolio Allocation by

  • Assets
  • Sector
  • Region

MI Charles Stanley Multi Asset Growth Fund
Invest from £50 per month

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Adventurous

Taking an adventurous or ‘higher risk’ approach means aiming to maximise potential returns by focusing on more volatile, but potentially more rewarding, assets. Considerable short-term volatility is an inevitable consequence so a long-term investment horizon and a commitment to stay invested are essential. Shares are likely to make up the vast majority of any portfolio, but even adventurous investors should hold a wide spread of different areas so they are not overly reliant on a single one.

adventurous

MI Charles Stanley Multi Asset Adventurous Fund
Invest from £50 per month

Annual Cost: 1.63%
As measured by Total Ongoing Charges (TOC)

Performance Target before charges*:
Inflation + 4%
*inflation means Consumer Prices Index (CPI)

Fund Manager's Investment Objective
The Fund aims to deliver investment returns before charges in excess of UK inflation (as measured by the Consumer Prices Index) plus 4% per annum, over a 5-year period.

Fund Manager's Investment Philosophy / Process
We believe in taking a long term investment approach focusing on real returns across a diversified portfolio of global assets.
We focus on strategic asset allocation as a primary driver of managing not only returns, but also risk.
We maintain flexibility to adjust positioning in light of market conditions.
The strategy is implemented through a blend of passive and active funds, with the capacity to invest directly in individual equities and fixed income securities.

Product Type
Singled-priced, Open-Ended Investment Company (OEIC). UCITS, UK Domicile.

View Portfolio Allocation by

  • Assets
  • Sector
  • Region

MI Charles Stanley Multi Asset Adventurous Fund
Invest from £50 per month

Back
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High Income

Investors seeking high income usually require sustainable cash flow to help fund their living expenses or lifestyle, commonly in retirement. A combination of bonds and dividend-paying equities are usually chosen to form the core of an income portfolio with other assets classes added for diversification.

Typically, income investing involves a cautious approach as investors require regular, predictable cash payments from their portfolio alongside relative stability of capital; though there needs to be a trade-off between generating sufficient income and taking an appropriate level of risk. The Charles Stanley Monthly High Income is designed for cautious investors in this regard but like all investments it can fall as well as rise in value.

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MI Charles Stanley Multi Asset High Income Fund
Invest from £50 per month

Annual Cost: 1.21%
As measured by Total Ongoing Charges (TOC)

Performance Target before charges*:
An inflation-beating level of income
*inflation means Consumer Prices Index (CPI)

Fund Manager's Investment Objective
Generate a high income with the potential for some capital growth from a portfolio consisting of UK bonds, government securities, high yielding equities and preference shares.

Fund Manager's Investment Philosophy / Process
We believe in taking a long term investment approach focusing on real returns across a diversified portfolio of global assets.
We focus on strategic asset allocation as a primary driver of managing not only returns, but also risk.
The strategy is implemented through a blend of passive and active funds, with the capacity to invest directly in individual equities and fixed income securities.

Product Type
Singled-priced, Open-Ended Investment Company (OEIC). UCITS, UK Domicile.

View Portfolio Allocation by

  • Assets
  • Sector
  • Region

MI Charles Stanley Multi Asset High Income Fund
Invest from £50 per month

Charles Stanley Multi Asset Funds and this website do not constitute personal advice. If you are unsure whether a fund is suitable for your circumstances, please seek regulated financial advice. The value of investments and the income derived from them can fall as well as rise and the amount realised may be less than their original sum. These funds are designed to be held for the long term (at least five years).

Who Have These Funds Been Designed For?

If you are looking to invest but don't want the hassle of putting together, monitoring and rebalancing a portfolio these Charles Stanley Multi Asset Funds could be worth considering. Alternatively, the funds can help make up the 'core' of a portfolio around which other investments can be added.

FAQs

What is a fund?
A fund pools together money from many individuals and invests it. Each investor is issued units (sometimes referred to as shares), which represent a portion of the holdings of the fund and can be bought and sold on a daily basis.
What is an OEIC?
OEIC stands for Open Ended Investment Company. It is a type of fund that invests in other companies and securities. Different types of investment strategies are used dependent upon the sector in which the OEIC is listed. OEICs have a single price directly linked to the value of the fund's underlying investments so ordinarily there is no difference between the price of buying and selling.
What kind of investments do the Charles Stanley Multi Asset Funds invest in?
The funds blend a range of investments together to create a diversified portfolio. To do so they invest in a variety of shares and bonds identified from Charles Stanley’s proprietary equity and fixed income research, as well as funds. Any funds chosen are either ‘actively’ managed, that is to say they are run by a fund manager who decides which stocks to buy and sell in the portfolio, or ‘passively’ managed to replicate the performance of a particular index. At Charles Stanley we adopt a ‘best of breed’ approach and are do not have a set preference about which type of fund is better. Passive funds are generally cheaper and help keep costs down but, where we feel there are also opportunities for fund managers to add value from stock selection it can be desirable to use active funds.
How much risk does the MI Charles Stanley Monthly High Income Fund take?
Choosing any investment involves striking the right balance between risk and potential reward – as well as assessing financial capacity (affordability) to absorb potential losses. Typically, if the level of risk taken is low, the return should also be expected to be low, whereas if the level of risk is higher there is greater potential to make a better return over time – but there is also a greater potential for falls, especially in the shorter term.

The longer the timescale, the longer investments have for market fluctuations to even out. This is why many people turn to higher risk investments to help to potentially grow their capital in order to meet longer term objectives such as retirement. However, if the investment falls in price, investors need the financial capacity (affordability) to stay invested to give it the chance to recover rather than lock in any losses.

The main types of asset are equities, fixed interest securities (bonds) and property. Each has different characteristics but, unlike cash, they can fall as well as rise in value and you may not get back what you originally invested. History shows that over the long term (i.e. decades) the stock market (representing shares in individual companies) is typically the most volatile of these asset classes but has also provided the best overall returns; but mixing shares with other asset classes may lower short term volatility while still providing reasonable returns.

The objective of the MI Charles Stanley Monthly High Income Fund is to generate a high income with the potential for capital growth. To try and achieve this objective the fund must take some investment risk. The fund is expected to have a similar level of risk to Charles Stanley Multi Asset 2 Cautious Fund, which aims to deliver an overall investment return of inflation (as measured by the UK Consumer Prices Index) plus 1% a year, over a 5-year period.

The MI Charles Stanley Monthly High Income Fund is constrained in terms of the quantity of equities it can hold. The maximum is 35%, and the bias in favour of bonds over equities means it is aimed at investors with a medium-low risk outlook.

The fund is subject to market fluctuations and can fall in value as well as rise. If you are unsure about investing you should consider taking regulated financial advice.
How are investments in the funds chosen?
Charles Stanley’s investment strategists meet every six weeks to consider the longer and medium term expected returns for a broad range of asset classes. In addition, every two weeks the team meets to determine shorter-term (3 month plus) tactical views, as well as to discuss individual investment ideas for each asset class identified by Charles Stanley’s analysts. From these regular discussions an optimal selection of investment is decided upon for each of the funds keeping to the relevant risk parameters. Ongoing analysis of each investment’s contribution to the performance of the fund is carried out to ensure each fund remains appropriately constructed for its objective.
How do the funds differ from each other?
Each fund is designed to meet a specific risk profile and has a targeted level of return. The funds often contain exposure to the same investment areas and similar holdings to one another. However, they adopt different levels of risk in order to try and achieve their investment objective. For instance, the fund designed to be cautious, Charles Stanley Multi Asset Cautious, aims to deliver an overall investment return of inflation (as measured by the UK Consumer Prices Index) plus 1% a year, over a 5-year period. For a greater possibility of achieving a higher target greater risk must be taken – typically accepting larger ups and downs in the value of the investment. Funds with higher targets typically include greater proportions of higher risk investments, notably equities.
How do people decide on the right fund?
Choosing any investment involves striking the right balance between risk and potential reward. Typically, if the level of risk taken is low, the return should also expected to be low, whereas if the level of risk is higher there is greater potential to make a better return over time – but you could also lose more money, especially in the shorter term. The longer the timescale, the longer investments have for market fluctuations to even out and, potentially, the more risk that can be taken. This is why many people turn to higher risk investments to help to potentially grow their capital in order to meet longer term objectives such as retirement. However, if the investment falls in price, investors need the nerve to stay invested to give themselves the chance to recover rather than lock in any losses. The main types of asset are equities, fixed interest securities (bonds) and property. Each has different characteristics but, unlike cash, they can fall as well as rise in value and you may not get back what you originally invested. History shows that over the long term (i.e. decades) the stock market (representing shares in individual companies) is typically the most volatile of theses asset classes but has also provided the best overall returns; but mixing shares with other asset class may lower short term volatility while still providing reasonable returns. If you are unsure about investing, we recommend that you take regulated financial advice.
What are the charges?
The fund has an annual charge (known as the 'TOC' or 'Total Ongoing Charges') and the latest figure can be seen published against each fund. This represents the costs of running the fund including management and administration charges, transaction costs, incidental costs and the charges for any underlying funds held.

In addition, you pay a percentage 'platform' charge for holding the fund with Charles Stanley Direct. This is a maximum of 0.35% of the value of the fund held, and more details can be found on our features page.
How to buy the fund in my ISA / Pension / Investment Account

Simply log into an existing Charles Stanley Account or, for those not already customers, complete the registration process. The fund can be purchased in an ISA, Junior ISA, SIPP (pension) or Investment Account with Charles Stanley and money can be added to any of these accounts using a debit card. Once sufficient funds are in the relevant account, the account is logged in and the page is opened for the chosen units, use the 'buy' button. Alternatively, use the 'buy now' button on this page and follow the instructions from there.

Orders placed after 11:00 will be placed the next working day at the price for that day.

How to find out about the fund once invested.

The Key Investor Information Document and Prospectus for the fund are kept up to date and can be downloaded from the 'Documents and Key Features' tab for the fund. Monthly factsheets detailing performance, asset allocation and top holdings are available from the same tab.

How to receive an income

'Income units' are available for those wanting to receive the income produced by the portfolio. Yields are variable and are not guaranteed. The latest calculation of the yield figure can be found on the monthly factsheet. Investors looking to reinvest any income produced should opt for 'accumulation units' where any income generated is rolled up in the price of the unit.

Who can I contact if I have more questions?

Our Helpdesk team is always happy to offer information on our range of accounts, as well as the fund, shares and other investment options available within them:

If you are already a client the best way to get in touch with the Helpdesk is via a Secure Message. Alternatively you can email us at [email protected]. Please do not send any sensitive information in an email, as it is not a secure medium of transmission. You can also call us on 0131 550 1234 from 7.30am to 5.00pm, Monday to Friday.