Charles Stanley
Multi Asset Funds
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Growth

High Income

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.
MoreWhat is your risk tolerance?

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.
MoreCautious
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.

Annual Cost:
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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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.

Annual Cost:
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
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.

Annual Cost:
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
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.

Annual Cost:
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

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.
More
Annual Cost:
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
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
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.
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.
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.
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.
'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.
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.