Compare how different portfolio styles impact construction & performance

How our portfolio range meets different needs & objectives

This comparison is provided for general educational information only

Cautious, Moderate & Adventurous are simplified descriptions used to demonstrate how different portfolio styles may compare. They do not represent a personal recommendation, a complete risk assessment or confirmation that any particular KTTF portfolio is suitable for you

The comparison does not consider your individual circumstances, objectives, knowledge, experience, investment timeframe, attitude to risk or capacity for loss

Every investment portfolio can fall in value, including one described as Cautious. A Cautious investment portfolio is not the same as cash, and you may get back less than you invest

A portfolio with greater long-term growth potential may also experience larger, more frequent or more prolonged losses. Accepting greater investment risk does not guarantee a higher return

A portfolio designed to provide greater capital stability may still lose money. It may also fail to keep pace with inflation, reducing the purchasing power of your investments over time

Actual KTTF holdings & asset allocations may change as the portfolios are reviewed & managed. The visual bars do not represent current portfolio holdings, actual allocation percentages, expected returns or guaranteed outcomes

Personal financial advice is required before Ayres Punchard can recommend whether KTTF, or a particular portfolio within the range, is suitable for you

Find the suitable portfolio for me

See how portfolio styles compare

Portfolio styles target different attributes for ongoing stability, growth potential, and the risk of loss

How the asset mix changes potential investment outcomes

Move any slider or click titles to compare 3 simplified portfolio styles and explore how their holdings & potential behaviour may differ

This is a heavily simplified, educational illustration, not a way to choose your own portfolio. The lengths of the bars are illustrative visual indicators only

Our Key to the Future Model Portfolio Service has 5 accumulation portfolio options & 1 income option. We do not use Cautious, Moderate or Adventurous as the names of our portfolio styles. Our range of 5 accumulation portfolios spans broadly similar lower-risk to higher-risk portfolio styles indicated below

Return to 'What the portfolio owns'

What each attribute means • FAQs

What the portfolio owns

Equity allocation
The relative amount invested in company shares, directly or through funds and investment trusts. Equities offer growth potential but can move significantly in value
Fixed income allocation
The relative amount invested in government bonds, corporate bonds and bond funds. These may be less volatile than equities but remain exposed to interest-rate, inflation and credit risk
Cash & short-term assets
The relative amount held in cash, money-market investments and similar short-term assets. These can reduce fluctuations and provide access to money but may limit growth

How the portfolio may behave

Expected volatility
How much and how often the portfolio’s value may rise or fall. This is a comparison, not a forecast
Potential fall in value
The relative size of loss the portfolio could experience during difficult markets. A higher bar means greater loss potential, not a predicted loss
Capital stability
The relative tendency to experience smaller changes in value. Greater stability does not prevent losses
Long-term growth potential
The relative potential to increase in value over time. Greater growth potential usually involves greater risk, and growth is not guaranteed
Need for a longer investment timeframe
How important it may be to remain invested through market rises and falls. It is not a fixed minimum term
Sensitivity to market movements
How strongly the portfolio may react when wider markets rise or fall. Portfolios with more equities will generally be more sensitive

What remains consistent

Responsible investment scrutiny
Responsible investment research, holdings analysis, stewardship review and anti-greenwashing scrutiny applied across the portfolio range. This does not guarantee perfect sustainability or positive outcomes
Ayres Punchard research & oversight
Our research, monitoring and responsible investment oversight across the KTTF range. The bar shows consistent responsibility, not a measured number of hours
Fossil fuel exposure
The portfolios are designed to minimise identified exposure to materially involved fossil-fuel businesses
Arms & weapons manufacture exposure
The portfolios are designed to minimise identified exposure to arms and weapons manufacturers
Tobacco exposure
The portfolios are designed to minimise identified exposure to tobacco producers
Gambling exposure
The portfolios are designed to minimise identified exposure to gambling businesses

We cannot guarantee zero exposure to harmful sectors outlined above. Indirect exposure may arise through funds, mixed business activities, subsidiaries, supply chains, manager changes, incomplete data or different classification methods

Holdings & company activities can change. We use available research, underlying-holdings analysis and ongoing oversight to identify & assess exposure as accurately as reasonably possible

We conciously design & construct KTTF to minimise harmful exposure as far as the available evidence & investment options allow

Learn how each investment earns its place in KTTF

See how every investment must first meet our requirements for financial quality & resilience

Explore how we assess social responsibility, positive impact, and exposure to activities that may harm people or the natural world

Understand how stewardship, transparency, and accountability help us look beyond labels to assess how investments are managed in practice

Read about our 3 tests

How our portfolio range meets different needs & objectives

See how portfolio styles compare

How the asset mix changes potential investment outcomes

What each attribute means • FAQs

What the portfolio owns

Equity allocation

Fixed income allocation

Cash & short-term assets

How the portfolio may behave

Expected volatility

Potential fall in value

Capital stability

Long-term growth potential

Need for a longer investment timeframe

Sensitivity to market movements

What remains consistent

Responsible investment scrutiny

Ayres Punchard research & oversight

Fossil fuel exposure

Arms & weapons manufacture exposure

Tobacco exposure

Gambling exposure

Learn how each investment earns its place in KTTF

Our 3 TestsNext

You must login or complete our KTTF questionnaire before viewing this content

Considering us as your financial advisors?

Our 3 Tests
Next