January 2024
January 2024

Moderate (Growth)

Risk score 4 on a scale of 1 to 6

Portfolio Strategy Description

An investment portfolio appropriate for this risk level may contain, for example, mainly higher-risk investments such as UK and overseas shares, with some lower and medium-risk investments such as cash, cash-type assets, bonds and UK commercial property. While a portfolio like this should rise and fall in value less than a higher-risk portfolio, the value of investments can always go down as well as up.

Key Information

Inception DateJuly 2006
Performance Comparator BenchmarkIA Mixed 40-85% Shares Index
Average underlying fund costs0.76% per annum
Maximum drawdown*-18.22%

*The maximum drawdown represents the worst possible return over a period. For example, buying at the maximum price over a period and selling at the worst price. Data based on performance over the last 5 years.

Last 3 Years Returns

1 Month 3 Months 6 Months 12 Months 2 Years 3 Years
Moderate (Growth) -1.09% 6.79% 5.14% 1.98% 0.10% 2.51%
IA Mixed 40-85% Shares Index 0.00% 8.51% 3.75% 4.49% 2.24% 8.36%

Performance Since Inception

Cumulative Returns

1 Year 3 Years 5 Years 10 Years Inception Compound Annual Return Average Annual Return
Moderate (Growth) 1.98% 2.51% 29.13% 73.24% 182.95% 6.09% 10.40%
IA Mixed 40-85% Shares Index 4.49% 8.36% 27.53% 68.39% 134.95% 4.98% 7.67%

Discrete Calendar Year Performance (last 5 years)

  2019 2020 2021 2022 2023
Moderate (Growth)13.69%13.57%8.73%-8.18%5.24%
IA Mixed 40-85% Shares Index15.78%5.32%10.94%-9.86%8.05%

Worst and Best Calendar Year Performance

  2008 2009
Worst Year (incl. positive mo.) Best Year (incl. negative mo.)
Moderate (Growth) -12.95% 29.31%

Asset Allocation

Regional Allocation

Important Information

Data assumes all income is reinvested. The annual returns shown are indicative only. Returns will depend on a variety of factors, including the exact timing of investments, taxation and the exact charges applying. The figures given are based on past returns and do not include any of the costs associated with investing. Performance does not reflect trading in actual accounts (and is therefore gross of all management fees except fund charges). There is no guarantee that asset classes or the costs associated with investment will remain consistent. The Telford Mann performance history has been created to correspond with all fund switches, asset allocation changes and rebalance dates. However, the performance history does not take into account instances where it has been necessary to rebalance the overall portfolio as a result of changes made within one or more of the underlying asset classes. There may therefore be slight discrepancies between the performance figure shown here and that achieved in reality.

This document is provided for information purposes only and does not constitute any form of financial or investment advice. Past performance is not a guide to future investment performance. The value of your investments as well as any income derived from them can fall as well as rise and you could get back less than the amount invested. We believe the information in this document to be correct at the time of going to press and is based on our current understanding of legislation and tax allowances which may change in the future. As such changes cannot be foreseen, we cannot accept responsibility for any loss accessioned to any person as a result of action or refraining from action of any item herein.

Performance has been compared against an appropriate benchmark.

Telford Mann are authorised and regulated by the Financial Conduct Authority. Registered in England 2318036. Registered office: Ironstone Place, Kettering, NN14 1FN.