a complete guide to
our sipp portfolios
whatever your risk profile there’s
a portfolio tailored to your needs
Choosing the right portfolio and managing your investments may seem like a daunting process, which is why we are here. With a dedicated team on hand to guide you through every step of the process, we’ve made investing effortless.
The three portfolios currently available to our clients through our SIPP wrapper comprise a globally diversified mix of investments and asset classes – detailed below across two platforms. They have been developed to cater to varying risk profiles:
Our aim is simple – to generate you as much income as possible from your retirement fund, primarily through seeking capital gains and an investment income, whilst minimising the risks.
Discover which portfolio is best suited to you by speaking to our team today:
CALL 0207 416 6806 | REQUEST A CALLBACK | firstname.lastname@example.org
Your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you originally invested. A Mercantile Circle managed portfolio may not be right for everyone and tax rules may change in the future. If you are unsure if a managed portfolio is the right choice for you, please seek independent financial advice.
diversified portfolio options available
target rate: 3% per annum*
The Cautious Portfolio has been created to suit investors with a low risk appetite, typically those who want improved returns over traditional savings accounts. It is best suited for first time investors.
The rationale behind the portfolio is to offer lower risk capacity clients the opportunity to generate a steady return whilst limiting their exposure to risk, but still offering a diversified selection of assets that will benefit them when markets perform well.
target rate: 5% per annum*
The Balanced Portfolio has been created to suit investors with a medium risk appetite. It will appeal to those looking for secure investments, but understand that a certain amount of risk needs to be taken in order to maximise returns.
The rationale behind the portfolio is to offer the average investor a well-diversified portfolio that will generate steady return and growth whilst keeping a medium risk appetite and capacity in mind.
target rate: 7% per annum*
The Adventurous Portfolio has been created to meet the demands of those investors with a higher risk/reward mentality. It offers potential higher returns through a substantial weighting towards emerging markets and small cap securities.
The adventurous portfolio has been allocated from a basis that the investor benefits from growth in the UK as well as in the developed markets and globally through a diversified allocation of assets. To support the higher risk/reward appetite of the adventurous investor we have increased allocations into specific sectors that have been identified to generate a substantial upside to the investor.
what does my managed portfolio comprise of?
Cash is the lowest risk asset available – if denominated in sterling there would be no currency exposure risk to the client. Cash provides liquidity inside the portfolio and although it generates no growth, available cash can be used for new opportunities identified in the market place.
exchange traded funds
Bought and sold like shares, ETFs can allow you to access whole indices which are based in various countries e.g. the FTSE 100. ETFs make market tracking easier and combine the benefits of a fund – instant diversification and access to a whole sector – with the benefits of a share – flexibility, continuous pricing and ease of access.
Emerging markets offer investors the potential to benefit from high growth opportunities in less developed or established regions. With more volatility there is a higher risk but the rewards can be much greater – appealing to the more adventurous investor.
Fixed Income is an income from an investment that is set at a particular figure and does not vary like a dividend or rise with the rate of inflation, unless stated. Bonds are the most common type of Fixed Income Security, and we only seek investment grade corporate bonds from Blue Chip and household names, alongside UK government bonds. Returns are received at regular intervals and at a set rate.
Equities are units of ownership interest in a corporation or financial asset that can provide equal distribution in any profits, if any are declared, in the form of dividends. Held across global indices, equities can benefit investors both through price appreciation and yield. A high-yield stock is a stock whose dividend yield is higher than the yield of any benchmark average such as the ten-year US Treasury note.
Investment in property is vast – ranging from investing in rental opportunities, to investment in property developers generating returns from building and renovations, to appreciation on rising property prices. Not to mention commercial property and the high yields that can be generated as a result of high demand. Property provides investors with collateral in physical assets therefore overall we believe it offers good diversity inside the portfolio.
Disclaimer: The investment projections we show are never a guaranteed predictor of future performance – they are there to give you context and help you make decisions about the kind of portfolio which may best suit your individual investment goals. You should not base your investment decision on past performance. With investment, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. If you are unsure if any of our products are the right choice for you, please seek independent financial advice.
Mercantile International Limited is an Appointed Representative of Agincourt Financial Limited who is Regulated in the United Kingdom by the Financial Conduct Authority with Firm Reference No.:197236. Company Registration No.: 09929738 in England & Wales | Mercantile Circle is a trading style of Mercantile International Limited.