Past performance is not a reliable guide to future returns. The value of investments, and the income from them, can fall as well as rise and can be affected by changes in exchange rates. Investors may get back less than invested. Performance is calculated using FE Analytics for a model portfolio and on a Total Return basis which assumes all income is reinvested. Performance is net of Charles Stanley investment management fees and underlying fund charges, but not adviser fees nor platform costs. Any charges and fees applied by platforms and/or authorised intermediaries will be charged in addition to the charges shown.