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Gower In‑House Portfolio Range

Each portfolio profile is constructed by the Gower in‑house investment team to combine the expertise of leading external fund managers coupled with our stringent monitoring and controls of investment risk. Risk is assessed using the following 1‑10 scale.

Low Risk

Cash / Money
Market Max Risk Factor 1

To achieve low risk return through investing in Cash Equivalent and Money Market Funds.

Fixed Interest
Max Risk Factor 3

This portfolio invests in a carefully selected range of collective investment schemes investing in Fixed Interest sectors including; Corporate and International Bonds, Gilt and Index Linked Gilt Funds.

Defensive Max
Risk Factor 3

To achieve a lower risk, cash plus return where downside risk is marginal through the predominant use of fixed interest, absolute return, and money market funds.

Lower Risk Max
Risk Factor 4

To achieve lower risk cash plus return over the medium to longer term through an overall cautious, broadly based, investment approach. In addition to income orientated and cautious capital growth funds, index tracking and specialist funds may be also used from time to time.

Medium Risk

Medium Risk
Max Risk Factor 7

To achieve a medium risk, medium to long term, balanced return from investing in a selection of collective investment schemes. Although broadly based, index tracking, specialist and higher risk funds may be incorporated.

Higher Risk

Higher Risk Max
Risk Factor 10

To achieve a higher risk, medium to long term, higher return from investing in a selection of collective investment schemes. The portfolio may be biased towards specialist funds and overseas markets. Volatility and fund turnover is expected to be high.

Commodity Bias
Max Risk Factor 10

Designed to be fully or near fully invested in commodity and commodity related funds. It can move from being geographically widely diversified to being very sector, and / or country centric. Portfolio turnover and volatility is expected to be high.

Global Technology
Max Risk Factor 10

The portfolio is constructed to be fully invested in a carefully selected range of collective investment schemes investing in the technology sector. These can include country specific and global funds.

 

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