Charles Stanley Multi Asset Funds

Ready-made Investments Managed by Our Experts

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Each Charles Stanley Multi Asset Fund features:

  • A diversified portfolio
  • Allocation between asset classes and specific investments chosen by Charles Stanley’s investment experts
  • A targeted return
  • Ongoing review and changes to the portfolio
  • Minimum lump sum investment of £500
 

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).

Charles Stanley Multi Asset Funds are designed to meet different, broad investment needs and risk profiles. Each offers a diverse portfolio in a single fund, actively managed by Charles Stanley's highly-regarded investment team. This means you do not need to regularly monitor and change individual funds, shares or other assets in your portfolio – it's all done for you.

Each portfolio is spread among various underlying investments in different areas. Not having all your eggs in one basket means you are not reliant on specific investments or areas performing well. Our experts choose from different asset classes, mixing shares and bonds as well as other areas such as property funds or alternative investments such as absolute return or infrastructure funds.

The Charles Stanley Multi Asset Funds bring together Charles Stanley's expertise in terms of asset allocation, UK securities selection and active and passive fund research. Each fund can be purchased in an ISA, Junior ISA, SIPP or general investment account with Charles Stanley Direct.

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.

Fund Choices

Last Updated 30/11/2017

Meet The Team

Jon Cunliffe
Chief Investment Officer

Jon has over 20 years of experience in the global fixed income and investment strategy markets. Jon has previously worked at the Bank of England, ABN Amro, Aberdeen Asset Management and most recently at the Tesco in-house pension fund.

Pierre Micallef

Multi Asset Portfolio Manager

Pierre co-manages the Multi Asset OEIC range and also advises on a number of Charles Stanley’s segregated mandates and funds. Prior to joining, Pierre was a Multi Asset investment strategist for National Grid UK Pension. Previously, he held roles at Newton Investment Management and Schroders.

Chris Ainscough

Portfolio Manager and
UK Equity Specialist

Chris co-manages the Matterley Regular High Income and the Multi Asset OEIC range. Chris joined Charles Stanley in 2013. He holds a Masters degree in Mathematics from Oxford University.

Jeremy Spain
Fixed Income Analyst

Jeremy has 28 years of experience in the City, covering both capital markets and credit derivatives. Jeremy is an experienced hand in the credit markets having previously held the position as Head of Bond Trading and Sales at Banco Popolare di Milano in London.

Ross Brookes
Head of Collective Research

Ross joined Charles Stanley in September 2008 and was appointed Head of Collectives Research in October 2016. He holds the Chartered Institute for Securities & Investment (CISI) Masters in Wealth Management, the Investment Management Certificate (IMC) and has a total of 15 years’ investment experience.

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?

Charles Stanley Multi Asset Funds blend a range of investments together to create a diversified portfolio. To do so they invest in a variety of securities, such as 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. Charles Stanley adopts a ‘best of breed’ approach and does not have a set preference about which type of approach is better. Passive funds are generally cheaper and help keep costs down but, where we feel there are opportunities for fund managers to add value from stock selection, it can be desirable to use active funds.

How are investments in the Charles Stanley Multi Asset 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 investments is decided upon for each of the funds within 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 Charles Stanley Multi Asset Funds differ from each other?

Each fund has a targeted level of return. The funds often contain exposure to the same investment areas and may have similar holdings. However, they adopt different levels of investment risk in order to try and achieve their investment objective.

For instance, the Charles Stanley Multi Asset 2 Cautious Fund 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 return than the Multi Asset 1 Defensive Fund, a higher level of investment risk must be taken – typically accepting larger fluctuations in the value of the investment. Funds with higher targeted returns typically include greater proportions of higher risk investments, notably equities.

How do people choose between the Charles Stanley Multi Asset Funds?

Choosing any investment involves striking the right balance between risk and potential reward - and 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.

If you are unsure about investing you should consider taking regulated financial advice.

What are the charges?

Each fund has an annual charge (known as the OCF or 'Ongoing Charges Figure') as shown in the table above. This represents the costs of running the fund including management and administration charges, and the charges for any funds held within each fund. In addition, you pay a percentage 'platform' charge for holding the fund with Charles Stanley Direct. This is a maximum of 0.25% of the value of the funds held, and more details can be found here.

How to buy a 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. Each 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 fund, use the ‘buy’ button. Alternatively, use the ‘buy now’ button next to the relevant fund 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 a fund once invested.

The Key Investor Information Document and Prospectus for each 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 in each fund for those wanting to receive the income produced by the portfolio. Yields are variable and are not guaranteed. 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.

Which Multi Asset Fund(s) are aimed at cautious investors?

Cautious investors are normally looking at 'safer' places, such as cash and bonds, for a significant proportion of their money. However, being too cautious may mean that an investment does not keep up with increases in the cost of living. A typical cautious portfolio therefore aims for modest returns but with reduced risk in order to limit falls in value. The Charles Stanley Multi Asset 1 Defensive Fund is aimed at low-risk investors who are seeking returns in excess of inflation (as measured by the UK Consumer Prices Index) over the medium term with limited downside risk. This fund has the highest weighting in bonds but the value of the fund can still fall as well as rise.

Which Multi Asset Fund(s) are aimed at balanced investors?

A balanced approach 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. 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. The Charles Stanley Multi Asset 3 Moderate Fund is aimed at medium-risk investors seeking capital growth and income returns over the medium to long term. The Charles Stanley Multi Asset 2 Cautious Fund has similar aims but with a modest bias in favour of cash and bonds over equities for a more medium-low risk outlook. Both funds are subject to market fluctuations and can fall in value as well as rise.

Which Multi Asset Fund(s) are aimed at adventurous investors?

Taking an adventurous approach usually means aiming to maximise potential returns by focusing on more volatile, but potentially more rewarding, assets. Significant short-term volatility is an inevitable consequence of this level of risk so a long-term investment horizon and a commitment to stay invested are essential. Equities are likely to make up the bulk of any portfolio, but even adventurous investors should hold a wide spread of investments so they are not overly reliant on one area. The Charles Stanley Multi Asset 5 Adventurous Fund is aimed at high-risk investors seeking capital growth and income returns over the medium to long term. The Charles Stanley Multi Asset 4 Growth Fund has similar aims but with a modest bias in favour of bonds over global equities for a more medium-high risk outlook. Both funds are subject to market fluctuations and can fall in value as well as rise.

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.