Moneyfarm data

The returns here are simulated using an assumed balance of £250,000, and the average management fee from our pricing model of 0.46% from 01/01/2016 to 31/10/2017 and 0.55% from 01/11/2017 to the 31/12/19. The returns are net of underlying fund costs and market spread. The returns are the total returns, so include all dividends. (Data Source: Bloomberg/xignite).

Peer Comparison Data

Asset Risk Consultants ARC collects the monthly returns of a collection of discretionary investment managers including large Asset managers, private banks and Wealth Managers to create an index of the average returns for a given level of risk.

ARC compiles indexes using the average competitor returns, including Barclays Wealth, HSBC, Investec Wealth and Investment and Blackrock, as well as many others.

Please note that ARC does not independently verify the performance of the Model submitted by Moneyfarm.

ARC benchmarks are as follows:

Private Client Index Relative: Risk to World Equities

ARC Cautious PCI: 0 – 40%

ARC Balanced Asset PCI: 40 – 60%

ARC Steady Growth PCI: 60 – 80%

ARC Equity Risk PCI: 80 – 110%

Where the relative risk to World Equities means you are taking approximately that percentage of the risk global stock markets.

Risk level 1

ARC does not produce an index that is a suitable comparison for P1, as it does not contain any equity. We use monthly GBP Libor + 0.5%, as this is a cash proxy, which Moneyfarm believes is a fair comparison.

Risk level 2

Risk level 2 is compared to the ARC Cautious Private Client Index (PCI)

Risk level 3

Risk level 3 is compared to the ARC Cautious Private Client Index (PCI)

Risk levels 4

Risk level 4 is compared to the ARC Balanced Asset Private Client Index (PCI)

Risk level 5

Risk level 5 is compared to the ARC Steady Growth Private Client Index (PCI)

Risk level 6

Risk level 6 is compared to the ARC Steady Growth Private Client Index (PCI).

On 07/10/2024 we combined two model portfolios into one with a higher equity composition, the past performance of the higher equity model is currently shown. The model became available to clients on 16/05/2019.

This performance may not be representative if you invested before the 07/10/2024.

Risk level 7

Risk level 7 is compared to the ARC Equity Risk Private Client Index (PCI).

This model portfolio only became available to clients on 07/10/2024.

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**ESG Performance

Please note that performance data until August 2021 is simulated based on the actual past performance of the underlying ETFs / indices, based on the initial composition of the ESG portfolios. Data is gross of fees, tax payable and shown in GBP and/or EUR. Data provided by Bloomberg.

Past performance is not an indicator of future results.