Self-select funds

We offer a broad range of funds designed to allow more experienced investors to build a portfolio to suit their goals and attitude to risk.

From money market funds for short-term investment to equity funds that seek to help your savings grow over the long term, we are confident we have a fund or blend of funds to meet your needs.

Multi-asset funds

Funds that provide exposure to a broad mix of investments designed for different goals and attitudes to risk.

Multi-Asset Cautious

Low-to-medium risk 2

Multi-Asset Moderate

Medium risk 3

Multi-Asset Growth

Medium-to-high risk 4

Equity funds

Funds that invest in shares of companies in the UK, in other regions or around the globe. Equity funds can deliver stronger growth, but can experience large fluctuations in value, so you should be prepared to invest for the long term (at least five years).

FTSE All-Share Tracker

Medium risk 3

UK Equity

Medium risk 3

Asia-Pacific Equity

Medium-to-high risk 4

European Equity

Medium-to-high risk 4

Global Equity

Medium-to-high risk 4

US Equity

Medium-to-high risk 4

Bond funds

Funds that invest in bonds issued by governments or companies. Government bond funds carry a lower risk that the borrower will not repay their loan, but may struggle to keep pace with inflation. Corporate bond funds can provide higher returns but carry more risk.

UK Government Bond

Low-to-medium risk 2

Sterling Corporate Bond

Low-to-medium risk 2

Money market fund

A fund that invests in short-term financial instruments. Money market funds can provide a high level of capital security, but the value of your savings may not keep pace with inflation.

Money Market

Low risk 1

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

Investments that offer some element of protection from losses alongside the possibility of long-term investment growth or income. The value of your capital could go up or down. With low-to-medium risk funds, it is possible that your investment return will be insufficient to meet your financial goals. Returns may not keep pace with inflation.

3

Medium risk

Long-term growth and income are balanced against risk to capital. The value of your capital could go up or down.

4

Medium-to-high risk

Long-term growth and income are the priority. The value of your capital could go up or down, potentially by greater amounts than funds in the ‘medium’ risk category.

5

High risk

The greatest potential for capital growth or income. But also the highest risk of capital loss. The value of your capital could go up or down, more frequently and by greater amounts, than lower risk funds.

Your investment timeline

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 don’t feel comfortable about choosing your funds yourself, have a look at our Investing by Age strategy. If you need help with your fund choice, 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)