These basic funds can often be considered a sensible starting point for new investors. They offer a broad cross-section of the world economy, giving the stability of bonds, combined with the potential for higher gains that shares provide.

These funds are well-diversified, meaning your money will be spread over different types of holdings. Spreading your money helps protects you, because if one sector or company in the portfolio performs badly then your losses are minimised, as only a small proportion of your overall investment is tied to that specific asset.

Who Manages These Funds?

The Basic Bunds are managed by Vanguard, one of the biggest Investment Managers in the world. They have over 40 years of expertise running low cost index-funds. In addition, Vanguard’s structure means they are owned by their clients (people who invest in their funds). They use excess money to lower costs, rather than to make profits, which keeps things as cheap as possible for you!

Note that each fund's 'risk level' is set and cannot be changed. If you want to 'increase/decrease' the risk you would need to invest in another fund.

Basic Funds At a Glance

Slow & Steady Fund 🐢

Composition

The Slow & Steady Fund invests in a diversified portfolio of assets composed of approximately 20% shares, and 80% bonds. It invests across countries, and industries to represent a broad representation of the overall market.

Provider

The name of the underlying fund is the “Vanguard LifeStrategy 20% Equity Fund”, and is provided by Vanguard Investments UK Limited.

Risk level

3 out 7 from industry standard

Past Performance

Fund result do not include Plum fees. Past performance is not a reliable indicator of future results.

More details here: Vanguard LifeStrategy 20% Equity Fund

Key investor information: Vanguard LifeStrategy 20% Equity - KIID

Balanced Bundle Fund ⚖️

Composition

The Balanced Bundle Fund invests in a diversified portfolio of assets composed of approximately 60% shares, and 40% bonds. It invests across countries, and industries to represent a broad representation of the market.

Risk level

4 out 7 from industry standard

Provider

The name of the underlying fund is the “Vanguard LifeStrategy 60% Equity Fund”, and is provided by Vanguard Investments UK Limited.

Past Performance

Fund result do not include Plum fees. Past performance is not a reliable indicator of future results.

More details here: Vanguard LifeStrategy 60% Equity Fund

Key investor information: Vanguard LifeStrategy 60% Equity - KIID

Growth Stack Fund 📚

Composition

The Growth Stack fund invests in a diversified portfolio of assets composed of approximately 80% shares, and 20% bonds. It invests across countries, and industries to represent a broad representation of the market.

Risk level

4 out 7 from industry standard

Provider

The name of the underlying fund is “Vanguard LifeStrategy 80% Equity Fund”, and is provided by Vanguard Investments UK Limited.

Past Performance


Fund result do not include Plum Fees. Past performance is not a reliable indicator of future results.

More details here: Vanguard LifeStrategy 80% Equity Fund

Key investor information: Vanguard LifeStrategy 80% Equity - KIID

Please keep in mind as with all investing, your capital is at risk. Investments can go down as well as up and you may get back less than you originally invested.

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