Risk level 4 is classed as lowest medium. The major asset class mix in these types of portfolios consist of predominately gilts and bonds, with a higher exposure to equities than a level 3 but still some what limited. They should also hold a mixture of property and cash to provide diversification.
Below is a sample of the fund available in this risk level as an example. There are sufficiently more funds available through some providers.
Any platform or provider costs will be in addition to the annual management charge. Some providers offer discounts depending on the amount of money you invest.
The performance data was measured on the 1st Nov 2015. Click on the fund for current performance data.
|Provider||Fund||1 year performance||3 year performance||5 year performance||Annual management charge|
|Aviva||Mixed Investment (20-60% Shares)||6.5||24.1||37.6||0.6%|
|Blackrock||NURS II Consensus 60||1.9||13.4||n/a||0.6%|
|Fidelity||Multi Asset Open Strategic||1.7||15.2||24.6||0.5%|
|Invesco Perpetual||Global Targeted Returns||4.1||n/a||n/a||1.57%|
|LV||Flexible Guarantee Balanced||8.64||27.3||37.6||0.95%|
|Royal London||London Governed Portfolio 6||2.4||15.1||23.1||1%|
|Scottish Equitable||Balanced Select Portfolio||2.9||17.6||27.4||1.65%|
|Standard Life||MyFolio Managed II||4.3||16.6||30.6||1.15%|
|Scottish Widows||Pension Portfolio Four||3.8||23.6||38.2||1%|