Best UK Investment Funds
Peer Review UK Investments
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Peer Review UK Investments
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In the years since 2008 like many investors, I took a step back to consider my strategy and ultimately I have spread my risk in to a number of funds concentrating on different areas.
Currently I'm cautious about small caps (bigger organisations are less affected by higher interest rates and all predictions point to an increase in rates), I believe that commodities have reached a peak (Chinese demand for raw materials has depressed prices on everything from nickel to soybeans to timber). I'm bullish about Financial Stocks, the banks have corrected their balance sheets and the economy is growing whilst stock prices continue to be marked down.
This is my top 20 list, it is my personal commentary and should not be taken as advice. These are funds I have either invested in or are on my watch list for potential future investment.
An Unauthorised Offshore Fund, designed for maximum returns. Launched on the 30th June 2005 this fund is high performing with capital growth aspirations. A 3.3% initial charge in addition to the annual management fee of 1.3%. As the name suggests the investments are ‘diverse’ and include; equities, bonds, alternatives and cash. The two biggest class of investments are Developed Market Equities (29.9% of the fund) and Non-Government Bonds (23.8%). Performance: 3 year: +17.9%. Risk indicator SRRI: 4/7
The fund is a Unit Trust with the objective: to achieve long term total returns through investment primarily in UK equities and convertible securities. The Trust may also invest from time to time in other securities, including UK government securities and other fixed interest securities. Consumer Services, Industrials and Oil and Gas take the majority of the holdings. The highest individual holding is BP with 5.1%. Manager Angela Lascelles says: 'We like to invest in companies with above-average yield or growth, and we find them in the mid- and small-cap space, but mainly mid-cap at the moment. Mid-caps have outperformed the FTSE 100 by an enormous amount over about any period you like to mention.' The fund is up 45.5% over 3 years.
A Luxembourg listed SICAV; the fund has an investment objective to manage downside risk and does this through investing in baskets of stocks, ETFs, bonds and derivatives. Initial change: 1% and a low annual management charge of 0.8%. Launched in 2010. This is a Luxembourg fund and currency is hedged to protect investors against exchange rate fluctuations. 3 year growth of 24.45%. SRRI 5/7
An OEIC fund with the focus on producing attractive, long term total returns, with an emphasis on income. More than 80% of the portfolio is in FTSE 100 stocks. Geographically 80% of investments are made in the UK and 11.6% in the USA. The fund managers have an investment criteria that includes targets with low capital expenditure, unlikely to become obsolete, their products and services are bought habitually, and they have embedded customer relationships and strong loyalty ties. The businesses they have been attracted to in recent years have been involved in three main areas: media, technology and consumer branded goods. Consumer goods is the main focus with 33% and Healthcare comes second at 16.2%. The fund is up 50% over 3 years.
OEIC structure. Launched June 2006. Asset allocation is heavily focused on Equity 56% and Quality Bonds 36% with use of derivative instruments to generate additional income. The Fund may sell derivatives linked to the assets held by it. This will generate income but will limit potential growth. Initial charge 4.5% and annual management 1.5%. 3 year growth: 26.7%.
An accumulation fund. The aim of this Fund is to generate returns by gaining exposure generally to sterling denominated index-linked securities. Ordinarily, at least 60% of investment is in sterling denominated fixed income securities (i.e. investments which provide a certain level of income or interest) which are issued by governments or companies. Income from investments in the Fund will be rolled up into the value of your Accumulation shares. No initial charge and annual charge 0.3%. However, minimum initial investment is £100,000. SSRI 4. For the year ending 30th June 2014 the fund was up 24.5% over 3 years.
The fund is a Unit Trust, launched in 2001, which seeks to provide long-term capital appreciation by investing principally in equity securities of companies in the biotechnology, genomic and medical research industries worldwide. This is one of the few authorised funds investing in this highly specialist sector. SRRI is high at 6, this is a high risk investment but returns have been substantial. The fund is up 189.4% over 3 years. Standard initial charge 5.5% Annual Management 1.75%.
OEIC structure. The fund targets long term capital growth by investing primarily in smaller UK equities, though some mid cap and overseas companies may also be included. An unusual selection process reviews underperforming companies where there is significant potential and where further downside is limited. Initial Charge 3.5% annual management 1.5%. Fund Manager, Alex Wright is experienced with a strong track record, he also runs Fidelity Special Values and Fidelity Special Situations. 3 year return of 108.8%
This Unit Trust Fund was launched in 2010. It principally invests (a minimum of 80%) in company shares anywhere in the world. Holdings are well spread with the largest at only 3.03% of the fund which is in Apple. In terms of industry spread, Financials take the lions share at 22%. Investment in the fund should be regarded as a medium to long-term investment. SRRI: 5. Initial charge 1%, Annual Management 0.87%. The fund has grown 70.64% in 3 years.
OEIC fund, primarily UK focused (83.53% UK), the fund aims to achieve a high level of income, together with capital growth. Classes include transferable securities, money market instruments, warrants, collective investment schemes, deposits and other permitted investments and transactions. The largest holding is 5.55% with British American Tobacco. In terms of sector spread, Healthcare is the biggest interest at 24.06%. SRRI: 5. Initial Charge 5% Annual Charge of 1.67%. 3 year performance of +45.6%.
The fund is an Authorised Unit Trust and categorised as a UCITS scheme. Its objective is to provide long-term capital growth. Stocks are selected with companies with intellectual property, strong distribution networks or a recurring income stream as a focus. 30% of investments are in small technology businesses and AIM stocks, comprising around a fifth of the fund. The minimum recommended holding period for the fund is 5 years. Up 53.9% over 3 years. SRRI: 5. Initial charge 5% Annual Charge 1.88%
Launched in 2004, the fund seeks to achieve long term capital growth through the active management of a diversified portfolio invested primarily in North American stock markets. Top holding is Apple at 3.9%. The biggest sectors within the fund are Healthcare and Technology, both with just over 18%. Up 78.2% over 3 years. Initial charge 4% Annual charge 1.5%. SRRI: 6.
Launched in 2010, the fund focuses on capital growth and income. Investing predominantly in Unit Trusts, OEICS, ETF's and other collective investment schemes. The underlying funds invest in international equities, fixed interest stocks, commodities and property. The fund saw a lower performance in 2014 due to larger holdings in the UK market at a time when other global markets outperformed. Many commentators see this as a short term blip and highly commend the fund managers who made good return throughout the 2008 crisis and who have an active management approach for this fund. Up 27.3% over 3 years.
Launched in 2009 this is a UCITS fund, focused on long-term growth through investment in a portfolio of UK and international assets. Investments include equities, fixed income instruments, other transferable securities, units of collective investment schemes, money market instruments, warrants, cash and near cash, derivatives and forward transactions for investment purposes (including taking long and short positions). There is a heavy focus on Financial Services with 20.35%, second is Energy at 10.43% of stocks held. Geographically 38.89% of the investment is made in the UK. Return over 3 years 26.65%.
Focused on long term growth; investing in a broad range of asset classes to balance risk whilst maximising the potential for significant returns. Classes include Real Estate, Private Equity and Sustainable Energies. Anticipated 3 year growth of 30%. Allocations are dynamic and diligently managed.For investors interested in Real Estate, The Blackmore Group have introduced a fixed rate property bond with an annual return of 6.5%, the product is called Blackmore Estates.
The funds main objective is income with a slant towards potential capital growth. In order to generate additional income, the Manager may selectively sell short-dated call options over securities or portfolios of securities held by the Fund, or indices, by setting individual target 'strike' prices at which those securities may be sold in the future. Geographically 51% of investments lie in Developed Asia, 18% in Emerging Asia and 26.98% in Australasia. In terms of holdings there is a provenance of Financial Services, Real Estate and Technology. The fund is up 45.92% over 3 years. SRRI: 5.
Launched in 2007. The investment objective of the Scheme is to achieve capital appreciation through investment in a global portfolio. 3 year annualised returns of 17.45%. Financial services takes the lions share with 35.37% of the fund. The fund protected shareholders well in 2011, producing a positive return of 1.4% while the category average returned a loss of more than 10%. The fund also outperformed during the equity rally in both 2012 and 2013, beating the category average by 8.2 percentage points last year.
London Capital & Finance is a fixed rate bond which offers short term lending to small and medium sized businesses. Currently it offers 8.5% fixed interest per annum over a 2 or 3 year period with interest payed quarterly. The fund is 150% asset backed, meaning that for every £100 invested there is £150 of assets backed security.
A long term fund launched in 1988. This fund is an investment trust, established for the Rothschild family (currently own 25%) but open to public investors. offers a global multi asset exposure with the potential for steady growth and brings diversification by investing in equities, hedge funds, private equity, property, frontier markets and currency plays. Geographically, North America is the largest territory with 41%, followed by UK at 16%. 3 year shareholder return is 18%. Annual charge 0.99% and performance fees of up to 20%.
An OEIC fund. The fund objective is to deliver a gross yield at least 10% greater than the yield produced by the FTSE All Share Index. Unusually the majority of holding are in Support Services (22.9%). No individual holding amounts to more than 5% of the portfolio. The managers, who tend to favour smaller and medium-sized companies, have brought their exposure to FTSE 100 stocks down from 15% in February to 4% today. The fund is up 80.9% over 3 years. Initial Charge 5.5% Annual charge 1.5%. SRRI: 6.