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AJ Bell Passive funds

AJ Bell Passive funds

Want to make your money work hard, while you take it easy? The AJ Bell Passive funds have been created to make investing simpler, to save you not just money, but something just as valuable: time.

Our low-cost Passive funds are managed by our team of experts, which means you don't have to worry about choosing individual investments, keeping up to speed with the markets or rebalancing your portfolio. We do all of that for you.

The only decision you need to make is which Passive fund is right for you. There are six to choose from, rated from ‘Cautious’ up to ‘Global Growth’, depending on the level of risk and reward you’re happy with.

Once you’ve picked your fund, added it to your basket and checked out, you just need to choose how much to invest. It’s as easy as that.

Kevin Doran, Chief Investment Officer introduces the AJ Bell Passive funds.
  • Low-cost –You ’ll pay no dealing charge for buying a fund, no custody charge until January 2019, and never more than 0.5% in ongoing charges (so there are no surprises)
  • Choose how much risk is right for you – from ‘Cautious’ to ‘Global Growth’, there’s a fund to suit your investing needs
  • Easy, no-hassle investing – all you need to do is choose your fund and how much to invest. Our experts do the rest for you

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

Which fund is right for you will depend on how you feel about risk and reward. Are you Cautious, keen to see your money grow, but even keener not to see it shrink? Are you Adventurous, prepared to accept potential losses for the chance of greater long-term gain? Or do you want to chase Global Growth, by investing in the companies and sectors of tomorrow?

There's a fund to suit every investing goal – find the one for 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.

You’ll also 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 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.

You’ll also 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 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.

You’ll also 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 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.

You’ll also 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 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.

You’ll also 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 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 Global Growth fund

Is this the right fund for me?

You want your money to work ultra-hard, and are happy to go where the risks and returns are highest. You’re prepared to accept potential losses in the knowledge of a greater potential upside over the longer term (five years and beyond).

The Global Growth fund invests mostly in high-risk assets, including shares in emerging markets and global technology, as well as shares in the UK and other developed markets. The fund invests only very 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.)

Projected fund performance

Likely high, medium and low returns for £10,000 invested in the Global Growth 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.

You’ll also 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 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.

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