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AJ Bell Passive funds

AJ Bell Passive funds

Are you confused by all the investment options out there? Wondering where you can put your hard-earned cash? Look no further! The AJ Bell Passive funds have been created just for you.

Our low-cost funds are chosen and managed for you by our team of investment experts and designed to give you access to markets in a single, convenient investment.

Kevin Doran, Chief Investment Officer introduces the AJ Bell Passive funds.
  • Low-cost - our passive funds are very competitively priced: a capped annual charge of 0.5%, no dealing charge for buying the fund and no custody charge for these funds until January 2019. Read more on our charges
  • Choose how much risk is right for you - from ‘cautious’ to ‘adventurous’, there’s a fund to suit your risk appetite
  • Easy, no-hassle investing - once you have considered the amount of risk that you want to take, add the fund to your basket and checkout then sit back safe in the knowledge that AJ Bell is working hard looking after your money

In making the Passive funds available to you, we are not giving you personal advice. Before you invest you need to make sure that you understand all the risks and are comfortable that this investment is right for you. The value could go down as well as up. Make sure you read the factsheet and KIID before investing to understand the full picture.

Choose your fund

Like many things in life, the more risk you take with investing, the higher the potential reward you may get and the higher the chance of losing your money. It is really up to you – do you want a steady ‘cautious’ return or a more of a choppy ‘adventurous’ ride with the potential for higher returns? Explore the scale below to find a risk-level fund that suits you.

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Typically lower rewards

Typically higher rewards

Low risk

High risk

VT AJ Bell Passive Cautious fund

Is this the right fund for me?

You're unimpressed by the scant returns offered by cash savings, and want to give your money a better chance to grow. But though you're drawn by the larger returns investing can offer, your main priority is making sure your savings don’t shrink.

The Cautious fund invests mainly in lower-risk assets like cash and bonds, and sparingly in higher-risk holdings such as shares. (Bonds, in which you effectively lend a company or government money, are generally considered a more stable investment than shares, in which you become part-owner of a company, and your investment's value is tied to the company's fortunes.)

The fund’s aim is to deliver consistent growth over the medium to long term, avoiding big movements in value. Over the short to medium term you may see some smaller movements – that’s because the price of bonds tends to fall when interest rates rise, and vice versa. So if interest rates go up (from their current near-record lows), bond prices will go down, affecting the value of this fund. Also, this fund includes investments which track the price of bonds ('trackers'): these can be riskier assets than the bond itself, which is held until it matures and you get your original investment back.

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the cautious fund for 20 years.

This chart shows the range of returns we would normally expect the fund to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Fund charges

At AJ Bell Youinvest, we always want to give you the best possible investment at the lowest possible price. And our Passive funds are no different.

That’s why we’ve capped the OCF (or ongoing charges figure) for each fund at just 0.5%. The OCF covers a fund’s expenses, from fund management fees to custody, legal and accountancy charges. Very few fund managers agree to cap it, but we’ve done so to give you complete transparency on how much you’ll pay.

And that’s not the only way the AJ Bell Passive funds can save you money. You’ll pay no dealing charges for buying any of the AJ Bell Passive funds, and until January 2019, you’ll pay no custody charges either. Read more on our charges and rates.

  • Capped OCF of 0.5% pa
  • No custody charge before January 2019
  • No charge to buy this fund

Start investing now – open an account with AJ Bell Youinvest and add this fund to your or set up a regular investment.

VT AJ Bell Passive Moderately Cautious fund

Is this the right fund for me?

You want your money to work harder than it currently does in cash, and can live with a moderate level of risk to boost your potential return. But safety remains your priority, and you want the bulk of your money invested in lower-risk, instead of higher-risk, holdings.

The Moderately Cautious fund focuses mostly on lower-risk assets like cash and bonds, and less on higher-risk investments such as shares. (Bonds, in which you effectively lend a company or government money, are generally considered a more stable investment than shares, in which you become part-owner of a company, and your investment's value is tied to the company's fortunes.)

The fund’s aim is to deliver steady growth over the medium to long term, avoiding uncomfortable movements in value. Depending on external events, you may see some smaller movements in the short to medium term. That’s because the price of bonds tends to fall when interest rates rise, and vice versa. So if interest rates go up (from their current near-record lows), bond prices will go down, affecting the value of this fund. Also, this fund includes investments which track the price of bonds ('trackers'): these can be riskier assets than the bond itself, which is held until it matures and you get your original investment back.

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the moderately cautious fund for 20 years.

This chart shows the range of returns we would normally expect the fund to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Fund charges

At AJ Bell Youinvest, we always want to give you the best possible investment at the lowest possible price. And our Passive funds are no different.

That’s why we’ve capped the OCF (or ongoing charges figure) for each fund at just 0.5%. The OCF covers a fund’s expenses, from fund management fees to custody, legal and accountancy charges. Very few fund managers agree to cap it, but we’ve done so to give you complete transparency on how much you’ll pay.

And that’s not the only way the AJ Bell Passive funds can save you money. You’ll pay no dealing charges for buying any of the AJ Bell Passive funds, and until January 2019, you’ll pay no custody charges either. Read more on our charges and rates.

  • Capped OCF of 0.5% pa
  • No custody charge before January 2019
  • No charge to buy this fund

Start investing now – open an account with AJ Bell Youinvest and add this fund to your or set up a regular investment.

VT AJ Bell Passive Balanced fund

Is this the right fund for me?

Your instincts incline towards both cautious and adventurous. You like the larger returns that riskier investments can offer – but also want to guard against large losses should the market grow more volatile.

The Balanced fund includes a mix of holdings: shares to increase the potential upside, and cash and bonds to limit the potential downside. (Shares, in which you become part-owner of a company, generally offer a greater – if riskier – return, than bonds, in which you effectively lend a company or government money to receive regular interest.)

This fund is designed to produce solid growth over the medium to long term, at the cost of some volatility along the way.

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the balanced fund for 20 years.

This chart shows the range of returns we would normally expect the fund to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Fund charges

At AJ Bell Youinvest, we always want to give you the best possible investment at the lowest possible price. And our Passive funds are no different.

That’s why we’ve capped the OCF (or ongoing charges figure) for each fund at just 0.5%. The OCF covers a fund’s expenses, from fund management fees to custody, legal and accountancy charges. Very few fund managers agree to cap it, but we’ve done so to give you complete transparency on how much you’ll pay.

And that’s not the only way the AJ Bell Passive funds can save you money. You’ll pay no dealing charges for buying any of the AJ Bell Passive funds, and until January 2019, you’ll pay no custody charges either. Read more on our charges and rates.

  • Capped OCF of 0.5% pa
  • No custody charge before January 2019
  • No charge to buy this fund

Start investing now – open an account with AJ Bell Youinvest and add this fund to your or set up a regular investment.

VT AJ Bell Passive Moderately Adventurous fund

Is this the right fund for me?

You’re drawn by the promise of greater long-term returns, and don’t mind shouldering greater risk to get there. You can live with the peaks and troughs that often come with riskier investments, but you still want some protection against more drastic movements in value.

The Moderately Adventurous fund focuses mostly on higher-risk investments such as shares, and less on lower-risk investments such as cash and bonds. (Shares, in which you become part-owner of a company, are generally considered to offer a greater – if riskier – return, than bonds, in which you effectively lend a company or government money to receive regular interest.)

The fund’s aim is to deliver a good return and guard against wilder market movements – although you may see losses in some years, depending on external events.

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the moderately adventurous fund for 20 years.

This chart shows the range of returns we would normally expect the fund to make. Whilst we have been careful in the assumptions used in this forecast, it is only a forecast and cannot be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Fund charges

At AJ Bell Youinvest, we always want to give you the best possible investment at the lowest possible price. And our Passive funds are no different.

That’s why we’ve capped the OCF (or ongoing charges figure) for each fund at just 0.5%. The OCF covers a fund’s expenses, from fund management fees to custody, legal and accountancy charges. Very few fund managers agree to cap it, but we’ve done so to give you complete transparency on how much you’ll pay.

And that’s not the only way the AJ Bell Passive funds can save you money. You’ll pay no dealing charges for buying any of the AJ Bell Passive funds, and until January 2019, you’ll pay no custody charges either. Read more on our charges and rates.

  • Capped OCF of 0.5% pa
  • No custody charge before January 2019
  • No charge to buy this fund

Start investing now – open an account with AJ Bell Youinvest and add this fund to your or set up a regular investment.

VT AJ Bell Passive Adventurous fund

Is this the right fund for me?

You want your money to work as hard as possible, and are happy to go where the returns (and risks) are higher. You’re prepared to accept potential losses in the knowledge of a greater potential upside over the longer term.

The Adventurous fund invests mostly in higher-risk assets such as shares and high-yield bonds, and only minimally in less risky assets like cash and lower-yield bonds. (Shares, in which you become part-owner of a company, are generally considered to offer a greater – if riskier – return, than bonds, in which you effectively lend a company or government money to receive regular interest.)

The fund’s aim is to deliver a high long-term return, although it’s likely to be a more choppy ride, with potential losses along the way – depending on external events.

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the adventurous fund for 20 years.

This chart shows the range of returns you would normally expect to make by investing in this fund. While we've been careful in the assumptions we've made, this is only a forecast and can't be relied on as a true indicator of future performance. Read more about the charts and assumptions made.

Fund charges

At AJ Bell Youinvest, we always want to give you the best possible investment at the lowest possible price. And our Passive funds are no different.

That’s why we’ve capped the OCF (or ongoing charges figure) for each fund at just 0.5%. The OCF covers a fund’s expenses, from fund management fees to custody, legal and accountancy charges. Very few fund managers agree to cap it, but we’ve done so to give you complete transparency on how much you’ll pay.

And that’s not the only way the AJ Bell Passive funds can save you money. You’ll pay no dealing charges for buying any of the AJ Bell Passive funds, and until January 2019, you’ll pay no custody charges either. Read more on our charges and rates.

  • Capped OCF of 0.5% pa
  • No custody charge before January 2019
  • No charge to buy this fund

Start investing now – open an account with AJ Bell Youinvest and add this fund to your or set up a regular investment.

Selected items: 0 Checkout