PathFinder

Find a ready-made fund in line with your attitude to risk.

Please note that PathFinder is not a personal recommendation in respect of a particular investment. 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.

1

Choose your risk level

Understanding how comfortable you are with different levels of risk is the first step to planning your investments.

Select a risk level and then enter the amount you’d like to invest either as a lump sum or a regular saving (or both). You'll see that changing your attitude to risk affects the amount you could get back so you might need to adjust the lump sum, monthly contributions and time it takes to achieve your savings goal.

Estimated values and growth rates

  • Good market
    £13,000 -%
  • Average market
    £10,000 -%
  • Poor market
    £8,000 -%
  • Cash
Change your options

Focused on capital preservation, while still aiming to generate modest investment returns over the long term by taking a smaller amount of risk.

Aims for steady returns over the years and will hold an even split of higher-risk and lower-risk investments.

More balanced, by placing emphasis on long term capital growth but also holding some more defensive assets.

Focused on higher long term returns. Although well diversified, holds higher risk assets such as equities, commodities and property.

All out for growth by investing in equities around the world. We believe there is great potential for long term growth, but you must understand you are taking on a high level of risk.

Not sure what risk level to choose? Use our new risk calculator tool

How our forecasting works

As you can see for each risk level, we’ve selected three different potential rates of return, representing a good, poor or middling outcome for an investment held over the long term (ten years or more).

If you increase your selected risk level, the high and middling rates of return improve, while the poor return is worse. These forecasts illustrate that taking on greater risk can increase your returns if the market is good, but also increase your losses in poor market conditions.

Find out more about our forecasting methods

2

2

Now decide how you'd like your money managed

To continue based on the risk level you've selected, choose one of the following fund types.

Investments to provide you with an income

1

Choose your risk level

Our income funds aim to generate a stable and predictable yield of around 4% to 6%. Please note that this yield is not guaranteed.

Please consider your appetite for risk and review the fund characteristics (including the description on risk) below to decide whether the fund meets your needs. You should regularly reassess the suitability of your investments to ensure they also continue to meet your investment goals.

This fund aims to provide investors with a steady income over time, this fund may appeal to cautious investors who are more focused on preserving their money, rather than accepting more risk in the hope of higher returns. The portfolio manager has the flexibility to adjust the asset mix to take advantage of changing market conditions, while managing risk.

This fund aims to deliver a steady income with some capital growth. It is designed for investors who are prepared to take a degree of risk in return for some potential capital growth in addition to income. The portfolio manager has the flexibility to tactically adjust the asset mix within defined ranges to take advantage of changing market conditions, whilst managing risk.

This fund aims to deliver a steady income and capital growth, with the potential for the income to grow over time. It does this by investing in a relatively balanced mix of defensive assets (such as bonds and cash) and higher-growth but higher-risk asset classes (such as equities). The fund is designed for investors who are prepared to accept a higher level of risk. The portfolio manager has the flexibility to tactically adjust the asset mix within defined ranges to take advantage of changing market conditions, whilst managing risk.

Focused on higher long term returns. Although well diversified, holds higher risk assets such as equities, commodities and property.

All out for growth by investing in equities around the world. We believe there is great potential for long term growth, but you must understand you are taking on a high level of risk.