- What we offer
- Invest
- Do it yourself investing
- Starter Portfolios
Do it yourself investing
Starter Portfolios
Our Starter Portfolios assemble a range of investments from our Direct Investment Service Preferred List reflecting different investment outlooks.
Our Starter Portfolios
Not monitored or managed
The portfolios are not monitored or managed by Charles Stanley. If you would like professionally managed investment services, we have several alternatives available.
For Direct Investment Clients
Example portfolios aimed at clients of our Direct Investment Service, who are self-directed, non-advised investors, undertaking their own research.
Not a personal recommendation
The investments in the portfolios should always be considered only from the perspective of making new cash investments. Removal of a fund from a portfolio should not be viewed as a suggestion or recommendation to sell holdings.
Cautious Income Starter Portfolio
Summary
This cautious income portfolio places more emphasis on capital preservation than the others. It consists of funds that should generally exhibit lower volatility and may offer some downside protection. There is some exposure to equities in order to provide some moderate growth prospects. Please note that although this is the least risky of the portfolios, each of the investments can go down as well as up so there is still a possibility of capital loss.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| TB Evenlode Income | 0.82% | 2.9% |
| Aviva Inv Strategic Bond | 0.58% | 2.98% |
| Ninety One Diversified Income | 1.02% | 4.1% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.78% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 22%
- Various Assets
- 17%
- US Fixed Interest
- 13%
- UK Fixed Interest
- 8%
- International Equities
- 7%
- Global Developed Markets Government Fixed Interest
- 7%
- North American Equities
- 6%
- Alternative Assets
- 6%
- Global Emerging Market Fixed Interest
- 5%
- Money Market
- 5%
- Global Investment Grade Fixed Interest
- 4%
- Various Sectors
- 18%
- Government Bonds
- 13%
- Others
- 9%
- Industrials
- 6%
- Alternative Assets
- 6%
- Equities
- 6%
- Debt
- 5%
- Banks
- 5%
- Money Market
- 5%
- Retailers - General
- 5%
- Technology
- 5%
- Health Care
- 4%
- Communications
- 4%
- Investment Grade Corporate Bonds
- 4%
- Media
- 3%
- Food, Beverages and Tobacco
- 3%
- UK
- 33%
- USA
- 19%
- Not Specified
- 11%
- North America
- 6%
- Various Regions
- 6%
- Global Emerging Markets
- 6%
- Europe ex UK
- 6%
- Money Market
- 5%
- Others
- 4%
- Far East ex Japan
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Balanced Income Starter Portfolio
Summary
This balanced income portfolio has exposure to both equities and bonds, but with the emphasis on equities to provide the greater prospect of long term growth. The inclusion of a targeted absolute return fund is designed to lessen the overall volatility of the portfolio and may offer some downside protection.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| JOHCM UK Equity Income | 1.1% | 3.92% |
| Aviva Inv Strategic Bond | 0.58% | 2.98% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.78% |
| Trojan Global Income | 0.98% | 2.74% |
| M&G Global Dividend | 0.63% | 2.96% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 24%
- International Equities
- 21%
- Various Assets
- 12%
- US Fixed Interest
- 10%
- US Equities
- 9%
- UK Fixed Interest
- 6%
- Alternative Assets
- 5%
- Canadian Equities
- 4%
- Money Market
- 3%
- Others
- 3%
- North American Equities
- 3%
- Various Sectors
- 12%
- Financials
- 12%
- Consumer Staples
- 11%
- Information Technology
- 8%
- Consumer Discretionary
- 7%
- Health Care
- 6%
- Others
- 6%
- Industrials
- 6%
- Government Bonds
- 5%
- Alternative Assets
- 5%
- Energy
- 5%
- Materials
- 4%
- Banks
- 4%
- Communications
- 4%
- Money Market
- 3%
- Basic Materials
- 3%
- UK
- 37%
- USA
- 30%
- Various Regions
- 12%
- Not Specified
- 9%
- Canada
- 4%
- North America
- 3%
- Money Market
- 3%
- Others
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Adventurous Income Starter Portfolio
Summary
The most diverse portfolio geographically, this is designed for long-term investors who are prepared to invest predominantly in higher risk areas. Some more risky smaller company exposure is also included in the funds to provide greater long-term growth prospects.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| BlackRock Continental European Income | 1.11% | 4.42% |
| Artemis Global Income | 1.69% | 2.69% |
| JOHCM UK Equity Income | 1.1% | 3.92% |
| Ninety One Diversified Income | 1.02% | 4.1% |
| M&G Global Dividend | 0.63% | 2.96% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 24%
- US Equities
- 18%
- Various Assets
- 15%
- French Equities
- 6%
- Others
- 6%
- Global Developed Markets Government Fixed Interest
- 6%
- Swiss Equities
- 5%
- German Equities
- 5%
- International Equities
- 5%
- Canadian Equities
- 5%
- Global Emerging Market Fixed Interest
- 4%
- Global Investment Grade Fixed Interest
- 3%
- Various Sectors
- 16%
- Financials
- 13%
- Energy
- 9%
- Industrials
- 7%
- Consumer Discretionary
- 7%
- Health Care
- 6%
- Materials
- 6%
- Government Bonds
- 6%
- Others
- 5%
- Equities
- 5%
- Consumer Staples
- 4%
- Debt
- 4%
- Information Technology
- 4%
- Basic Materials
- 3%
- Investment Grade Corporate Bonds
- 3%
- Capital Goods
- 3%
- UK
- 26%
- USA
- 23%
- Various Regions
- 12%
- Others
- 8%
- France
- 6%
- Global Emerging Markets
- 5%
- Switzerland
- 5%
- Germany
- 5%
- Canada
- 5%
- Europe ex UK
- 3%
- Far East ex Japan
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Cautious Growth Starter Portfolio
Summary
This cautious growth portfolio places more emphasis on capital preservation than the others. It consists of funds that should generally exhibit lower volatility and may offer some downside protection. There is some exposure to equities in order to provide some moderate growth prospects. Please note that although this is the least risky of the portfolios, each of the investments can go down as well as up so there is still a possibility of capital loss.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| TB Evenlode Income | 0.82% | 2.8% |
| Ninety One Diversified Income | 0.99% | 3.39% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.75% |
| Janus Henderson Strategic Bond | 0.8% | 2.5% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 22%
- Various Assets
- 18%
- Global Investment Grade Fixed Interest
- 14%
- International Equities
- 7%
- Global Developed Markets Government Fixed Interest
- 7%
- Money Market
- 7%
- North American Equities
- 6%
- Alternative Assets
- 6%
- Global Emerging Market Fixed Interest
- 5%
- North American Government Fixed Interest
- 4%
- North American High Yield Fixed Interest
- 3%
- Investment Grade Corporate Bonds
- 15%
- Government Bonds
- 13%
- Various Sectors
- 10%
- High Yield Bond
- 7%
- Industrials
- 6%
- Alternative Assets
- 6%
- Money Market
- 6%
- Equities
- 6%
- Others
- 6%
- Debt
- 5%
- Retailers - General
- 5%
- Health Care
- 4%
- Technology
- 4%
- Media
- 3%
- Food, Beverages and Tobacco
- 3%
- UK
- 29%
- North America
- 20%
- Not Specified
- 11%
- Money Market
- 7%
- USA
- 6%
- Global Emerging Markets
- 6%
- Europe ex UK
- 6%
- Europe
- 5%
- Others
- 4%
- Far East ex Japan
- 3%
- Various Regions
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Balanced Growth Starter Portfolio
Summary
A diverse portfolio with exposure to both equities and bonds, but with the emphasis on equities to provide the greater prospect of long term growth. The inclusion of a targeted absolute return fund is designed to lessen the overall volatility of the portfolio and may offer some downside protection.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| JOHCM UK Equity Income | 1.09% | 3.82% |
| Aviva Inv Strategic Bond | 0.58% | 2.98% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.75% |
| Trojan Global Income | 0.98% | 2.69% |
| M&G Global Dividend | 0.63% | 2.33% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 24%
- International Equities
- 21%
- Various Assets
- 12%
- US Fixed Interest
- 10%
- US Equities
- 9%
- UK Fixed Interest
- 6%
- Alternative Assets
- 5%
- Canadian Equities
- 4%
- Money Market
- 3%
- Others
- 3%
- North American Equities
- 3%
- Various Sectors
- 12%
- Financials
- 12%
- Consumer Staples
- 11%
- Information Technology
- 8%
- Consumer Discretionary
- 7%
- Health Care
- 6%
- Others
- 6%
- Industrials
- 6%
- Government Bonds
- 5%
- Alternative Assets
- 5%
- Energy
- 5%
- Materials
- 4%
- Banks
- 4%
- Communications
- 4%
- Money Market
- 3%
- Basic Materials
- 3%
- UK
- 37%
- USA
- 30%
- Various Regions
- 12%
- Not Specified
- 9%
- Canada
- 4%
- North America
- 3%
- Money Market
- 3%
- Others
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Adventurous Growth Starter Portfolio
Summary
The most diverse portfolio geographically, this is designed for long-term investors who are prepared to invest predominantly in higher risk areas. Some more risky smaller company exposure is also included in the funds to provide greater long-term growth prospects.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| BlackRock European Dynamic | 1.23% | 0% |
| Man GLG Undervalued Assets | 1.33% | 2.89% |
| Jupiter UK Smaller Companies | 1.18% | 0.25% |
| Invesco Asian (UK) | 1.24% | 1.52% |
| Fidelity Index US | 0.06% | 1.16% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- US Equities
- 20%
- UK Equities
- 19%
- Various Assets
- 14%
- UK Mid Cap Companies
- 9%
- UK Large Cap Companies
- 9%
- French Equities
- 5%
- Chinese Equities
- 5%
- Swiss Equities
- 3%
- South Korean Equities
- 3%
- Taiwanese Equities
- 3%
- Hong Kong Equities
- 3%
- Dutch Equities
- 3%
- Others
- 3%
- Danish Equities
- 3%
- Financials
- 17%
- Industrials
- 16%
- Consumer Discretionary
- 15%
- Information Technology
- 9%
- Health Care
- 8%
- Energy
- 7%
- Various Sectors
- 5%
- Technology
- 5%
- Materials
- 4%
- Communications
- 4%
- Consumer Staples
- 3%
- Real Estate
- 3%
- Others
- 3%
- UK
- 33%
- USA
- 20%
- Various Regions
- 14%
- France
- 5%
- China
- 5%
- Netherlands
- 5%
- Switzerland
- 4%
- Korea
- 3%
- Taiwan
- 3%
- Hong Kong
- 3%
- Denmark
- 3%
- Australia
- 2%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Cautious Income Growth Starter Portfolio
Summary
This cautious income and growth portfolio places more emphasis on capital preservation than the others. It consists of funds that should generally exhibit lower volatility and may offer some downside protection. There is some exposure to equities in order to provide some moderate growth prospects. Please note that although this is the least risky of the portfolios, each of the investments can go down as well as up so there is still a possibility of capital loss.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| TB Evenlode Income | 0.82% | 2.9% |
| Ninety One Diversified Income | 1.02% | 4.1% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.78% |
| Janus Henderson Strategic Bond | 0.8% | 2.5% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 22%
- Various Assets
- 18%
- Global Investment Grade Fixed Interest
- 14%
- International Equities
- 7%
- Global Developed Markets Government Fixed Interest
- 7%
- Money Market
- 7%
- North American Equities
- 6%
- Alternative Assets
- 6%
- Global Emerging Market Fixed Interest
- 5%
- North American Government Fixed Interest
- 4%
- North American High Yield Fixed Interest
- 3%
- Investment Grade Corporate Bonds
- 15%
- Government Bonds
- 13%
- Various Sectors
- 10%
- High Yield Bond
- 7%
- Industrials
- 6%
- Alternative Assets
- 6%
- Money Market
- 6%
- Equities
- 6%
- Others
- 6%
- Debt
- 5%
- Retailers - General
- 5%
- Health Care
- 4%
- Technology
- 4%
- Media
- 3%
- Food, Beverages and Tobacco
- 3%
- UK
- 29%
- North America
- 20%
- Not Specified
- 11%
- Money Market
- 7%
- USA
- 6%
- Global Emerging Markets
- 6%
- Europe ex UK
- 6%
- Europe
- 5%
- Others
- 4%
- Far East ex Japan
- 3%
- Various Regions
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Balanced Income Growth Starter Portfolio
Summary
This balanced income and growth portfolio has exposure to both equities and bonds, but with the emphasis on equities to provide the greater prospect of long term growth. The inclusion of a targeted absolute return fund is designed to lessen the overall volatility of the portfolio and may offer some downside protection.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| JOHCM UK Equity Income | 1.09% | 3.82% |
| Aviva Inv Strategic Bond | 0.58% | 2.98% |
| BNY Mellon Sustainable Real Return | 1.18% | 1.78% |
| Trojan Global Income | 0.98% | 2.69% |
| M&G Global Dividend | 0.63% | 2.96% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 24%
- International Equities
- 21%
- Various Assets
- 12%
- US Fixed Interest
- 10%
- US Equities
- 9%
- UK Fixed Interest
- 6%
- Alternative Assets
- 5%
- Canadian Equities
- 4%
- Money Market
- 3%
- Others
- 3%
- North American Equities
- 3%
- Various Sectors
- 12%
- Financials
- 12%
- Consumer Staples
- 11%
- Information Technology
- 8%
- Consumer Discretionary
- 7%
- Health Care
- 6%
- Others
- 6%
- Industrials
- 6%
- Government Bonds
- 5%
- Alternative Assets
- 5%
- Energy
- 5%
- Materials
- 4%
- Banks
- 4%
- Communications
- 4%
- Money Market
- 3%
- Basic Materials
- 3%
- UK
- 37%
- USA
- 30%
- Various Regions
- 12%
- Not Specified
- 9%
- Canada
- 4%
- North America
- 3%
- Money Market
- 3%
- Others
- 3%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Adventurous Income Growth Starter Portfolio
Summary
The most diverse portfolio geographically, this is designed for long-term investors who are prepared to invest predominantly in higher risk areas. Some more risky smaller company exposure is also included in the funds to provide greater long-term growth prospects.
Portfolio breakdown
| Fund | Total ongoing charges | Yield |
|---|---|---|
| BlackRock Continental European Income | 1.11% | 4.42% |
| Artemis Global Income | 1.69% | 2.61% |
| JOHCM UK Equity Income | 1.1% | 3.92% |
| Man GLG Undervalued Assets | 1.33% | 2.89% |
| M&G Global Dividend | 0.63% | 2.96% |
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
Portfolio information
- UK Equities
- 24%
- US Equities
- 18%
- Various Assets
- 13%
- UK Mid Cap Companies
- 9%
- UK Large Cap Companies
- 9%
- Others
- 7%
- French Equities
- 6%
- Swiss Equities
- 5%
- German Equities
- 5%
- Canadian Equities
- 5%
- Financials
- 17%
- Energy
- 13%
- Various Sectors
- 11%
- Industrials
- 11%
- Consumer Discretionary
- 9%
- Materials
- 9%
- Health Care
- 7%
- Others
- 6%
- Consumer Staples
- 5%
- Information Technology
- 4%
- Basic Materials
- 3%
- Real Estate
- 3%
- Capital Goods
- 3%
- UK
- 38%
- USA
- 19%
- Various Regions
- 16%
- France
- 6%
- Others
- 6%
- Switzerland
- 6%
- Germany
- 5%
- Canada
- 5%
If you are unsure of the suitability of your investment please seek professional financial advice. Investors should be aware that past performance is not a guide to the future and that the price of shares and other investments, and the income derived from them, may fall as well as rise and the amount realised may be less than the original sum invested.
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27 Jun 2022
|
7
min read
Direct Investment Service preferred list
How we select our investments
Our research department specialises in providing comprehensive and continuous coverage of a wide range of UK-listed companies, investment trusts and other investment products. The list is derived from detailed quantitative and qualitative analysis, which aims to highlight “best of breed” funds from across the major sectors in the context of their strategy and style.
Philosophy
We believe detailed research can identify skilful active fund managers capable of adding value over the longer term. We are patient, willing to consider all styles of investing, and mindful that at times active management does not always offer value for money versus passive funds.
Screening
We aim to put the performance into perspective. Our specially designed screen generates ideas based on performance metrics in the context of style but does not initially reveal the fund name to ensure no bias. We then monitor each investment we identify as part of our research cycle.
Analysis
We conduct hundreds of fund manager meetings each year alongside in-depth fund research and performance analysis. We aim to ensure chosen funds excel in our four “P’s”, People, Process, Performance and Price, through examination of key characteristics such as risk, style, sustainability, governance, charges, operations and capacity.
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