Multi-asset funds

Funds to suit your attitudes and goals

We offer three multi-asset funds that each provide exposure to a broad mix of investments designed for different goals and attitudes to risk.

Whether your priority is to preserve your savings or to invest for growth, we have a multi-asset fund to help.

Multi-Asset Cautious

Low-to-medium risk 2

A blend of bonds, shares and cash with an emphasis on seeking to preserve capital rather than generate stronger growth. The investment objective is to provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income and cash with the potential for low to moderate levels of price fluctuations. The funds will launch with an initial asset allocation of equities 30%, fixed income 60% and cash 10%. Percentages are subject to change based on the investment manager views over time.

The Utmost Multi-Asset Cautious fund invests in the JPM Multi-Asset Cautious OEIC, ISIN GB00BJ0LS010.

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Equity ISIN 30.00%
JPM UK Global REI GB00BJ0LB987 10.00%
JPM UK Equity Core GB00BJXD1K58 13.50%
JPM EM Equity GB00BJXD1H20 1.50%
JPM US REI GB00BJ0LQ964 3.50%
JPM Europe (ex-UK) REI GB00BJ0LBD56 1.00%
JPM Asia Pacific Equity GB00BJ0LBC40 0.50%
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Fixed Income ISIN 60.00%
JPM Sterling Corp Bond GB00BJXFHT23 15.00%
JPM Global Corp Bond GB00BK8MBG03 15.00%
JPM UK Govt Bond GB00BJ0LS671 15.00%
JPM Global (ex UK) Bond GB00BJXD1L65 15.00%

Multi-Asset Moderate

Medium risk 3

A blend of shares, bonds and cash seeking to take moderate levels of risk to generate moderate growth over the long term. The investment objective is to provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income, property and cash with the potential for moderate to high levels of price fluctuations. The funds will launch with an initial asset allocation of equities 60%, fixed income 35%, property 0% and cash 5%. Percentages are subject to change based on the investment manager views over time.

The Utmost Multi-Asset Moderate fund invests in the JPM Multi-Asset Moderate OEIC, ISIN GB00BJ0LS234.

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Equity ISIN 60.00%
JPM UK Global REI GB00BJ0LB987 20.00%
JPM UK Equity Core GB00BJXD1K58 27.00%
JPM EM Equity GB00BJXD1H20 3.00%
JPM US REI GB00BJ0LQ964 7.00%
JPM Europe (ex-UK) REI GB00BJ0LBD56 2.00%
JPM Asia Pacific Equity GB00BJ0LBC40 1.00%
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Fixed Income ISIN 35.00%
JPM Sterling Corp Bond GB00BJXFHT23 8.75%
JPM Global Corp Bond GB00BK8MBG03 8.75%
JPM UK Govt Bond GB00BJ0LS671 8.75%
JPM Global (ex UK) Bond GB00BJXD1L65 8.75%

Multi-Asset Growth

Medium-to-high risk 4

A blend of shares, bonds and cash seeking to take moderate levels of risk to generate moderate growth over the long term. The investment objective is to provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income, property and cash with the potential for high levels of price fluctuations. The funds will launch with an initial asset allocation of equities 75%, fixed income 25%, property 0% and cash 0%. Percentages are subject to change based on the investment manager views over time.

The Utmost Multi-Asset Growth fund invests in the JPM Multi-Asset Growth OEIC, ISIN GB00BJ0LS457.

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Equity ISIN 75.00%
JPM UK Global REI GB00BJ0B987 30.00%
JPM UK Equity Core GB00BJXD1K58 33.50%
JPM EM Equity GB00BJXD1H20 4.00%
JPM US REI GB00BJ0LQ964 5.00%
JPM Europe (ex-UK) REI GB00BJ0LBD56 1.50%
JPM Asia Pacific Equity GB00BJ0LBC40 1.00%
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Fixed Income ISIN 25.00%
JPM Sterling Corp Bond GB00BJXFHT23 6.25%
JPM Global Corp Bond GB00BK8MBG03 6.25%
JPM UK Govt Bond GB00BJ0LS671 6.25%
JPM Global (ex UK) Bond GB00BJXD1L65 6.25%

Our risk ratings

Risk diagram

You should ensure you are comfortable with the level of risk and reward associated with any fund you invest in. The value of all unit-linked funds can go down as well as up and you may not get back the amount you invested.

1

Low risk

Return of capital is the priority ahead of potential growth although your capital is not guaranteed. With low risk funds, it is possible that your investment return will be insufficient to meet your financial goals and may not keep pace with inflation. Potential for low levels of price fluctuation. Growth is likely to be modest.

2

Low-to-medium risk

To provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income and cash with the potential for low to moderate levels of price fluctuations.

3

Medium risk

To provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income and cash with the potential for moderate to high levels of price fluctuations.

4

Medium-to-high risk

To provide capital growth in the long term by investing in a combination of asset classes including equities, fixed income and cash with the potential for high levels of price fluctuations.

5

High risk

To provide capital growth in the long term by investing in higher risk asset classes with the potential for high levels of price fluctuations.

Your investment timeline

As well as making an investment choice, you can choose how quickly or gradually you would like your savings to move to your chosen fund or strategy. If you do not want to choose your own timeline, you can leave the decision to us.

View your investment timeline options

Seek advice if you’re not sure

If you are unsure whether our multi-asset funds are right for you, or if you’re not sure which fund to choose, please speak to an independent financial adviser.



Before you make a decision, have a look at your other investment options.


Need more information?

Glossary

Corporate bond funds

These funds invest in bonds issued by corporate borrowers. Returns may be higher than government bonds, for a higher level of risk. Returns may not keep pace with inflation.

Diversification

A term used to describe spreading your investments across a range of different assets classes, regions or industry sectors, to avoid concentrating your risk and potentially reducing the impact of market movements on the value of your investments.

Equity funds

Equity funds invest in a range of company shares. The price of shares can be volatile and go up or down based on how well the company is currently doing, or what its prospects are.

Government bond funds

These funds invest in bonds issued by governments. While interest rates remain low, returns are likely to be low and may not keep pace with inflation.

Money market or cash funds

Money market or cash funds invest in securities with a very short maturity, usually issued by governments, financial institutions or large companies. These are conservative investments in low-risk instruments, with the aim of protecting the value of your investment. Returns will likely be low and may not keep pace with inflation.

Multi-asset funds

These funds can invests across a wide range of equities, bonds and other assets. We seek to provide diversification.

Secure cash investment

A temporary cash fund in which the unit price is guaranteed not to decrease from the price at the initial investment date, although its value is unlikely to keep pace with inflation.

Unit-linked investment fund

Unit-linked funds allow you to combine your money with other investors so that you can access a diversified range of investments within a single portfolio. They can provide a cost-effective way of investing in a range of securities and assets, including shares of UK and overseas companies, corporate bonds, government bonds, money market instruments and cash deposits.

It’s important to bear in mind that the value of unit-linked funds can go down as well as up and you may not get back the amount you invested. You should ensure you are comfortable with the level of risk and reward associated with any fund you invest in.


Professional Advice

You may also choose to seek professional advice from a financial adviser, authorised by the Financial Conduct Authority, who specialises in investments.

How to find an authorised financial adviser

Online at www.unbiased.co.uk or telephone: 0800 023 6868

Please be aware that financial advisers may charge for their services.

You should ensure that any adviser you approach is authorised by the Financial Conduct Authority.


Contact us

The easiest way to get in touch about the Proposal is to call the Equitable Life Proposal helpline

Call Us

0330 159 1530

Monday to Friday (not including bank holidays)