Navigator
Important information - Please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Please note that Navigator is not a personal recommendation and does not provide advice that a particular investment is suitable for you. If you need additional help, please speak to a financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.
The road to investing starts here
We all have different tolerances to risk. Whether you’re adventurous or cautious, it’s important to decide how much risk is right for you to achieve your investment goals. Navigator (previously Pathfinder) can provide you with a diversified fund in a few easy steps, based on the level of risk you’re comfortable with and the investment approach you want to follow.
Once you make your decision with Navigator, you’ll be investing in a multi-asset fund (a fund made up of a selection of other funds) that is actively managed. This means that the funds don’t track the movement of a stock market index, but rather the manager can invest in a collection of companies that they believe can perform well.
The underlying funds are chosen by the experts in our Multi Asset Team, who have direct access to fund companies and a team of researchers to support their decisions.
Leave it to us
Choosing a Navigator fund offers ease, with the help of a fund manager in your corner.
Navigator funds hold various asset classes and regions to target specific goals and risk tolerances, and to help limit exposure to a single asset or risk.
Assets grow at different rates, which means your asset allocation may no longer reflect your attitude to risk over time.
Once you have a multi-asset fund with us, our experts proactively keep the fund on track by buying and selling assets to maintain appropriate levels of risk.
Our experts watch the market for new opportunities. All you need to do is keep an eye on performance and, every now and then, make sure the fund’s risk level is still right for you.
The tool will first ask you what type of fund suits your goals; income or growth. It will then ask the level of involvement you would like from our experts. For some of the options you will also be asked your attitude to risk. If you're unsure of what level of risk you're uncomfortable with, you’ll be able to see considerations to help you assess your risk appetite.
These funds produce regular sums of money that can be paid into your bank account or reinvested back in the fund.
If you’d like to invest in ‘income funds’, here’s what to do.
- Open Navigator, then choose the income funds option.
- You’re then asked the level of involvement that you would like from our experts by choosing either ‘cost’ or ‘expert’ focused.
- You will then be presented with funds that match your selections.
- Scroll down until you can see the fees, performance, key documents and fund manager details associated with that fund.
- If you're happy with the fund and its risk level, use the 'Buy this fund' button to begin investing.
These funds cover a wide range of strategies, from funds aiming to generate modest investment returns at a lower level risk, to funds focused on the highest-possible performance, but taking on a higher level of risk.
If you’d like to see results for 'growth funds', here’s what to do.
- Open Navigator, then select the 'Growth funds' tab.
- You’re then asked the level of involvement that you would like from our experts by choosing either ‘cost’ or ‘expert’ focused.
- Choose the level of risk you are comfortable with.
- You will then be presented with funds that match your selections.
- Scroll down until you can see the fees, performance, key documents and fund manager details associated with that fund.
- If you're happy with the fund and its risk level - use the 'Buy this fund' button to begin investing.
