Asset

Conservative
(Libor+2%)

Balanced
(private client)

Growth 
MSCI World

Income
(private client)

Zero inc

Reasons

Twenty Four Select Monthly Inc

GG00BJVDZ946

X

X

X

Diversified portfolio of loans and bonds

Troy Income and Growth GB0003708665

Top quartile performer within the investment trust equity income sector

Ruffer Total return GB0009684100

X

This fund aims to achieve positive annual total return,currently holding defensive equities,gold,fixed interest.

Schroder Income Maximiser GB00B5B0KM51

X

This unit trust employs a UK equity and derivative strategy and targets a 7% annual return

UK FIXED

20%

10%

0%

20%

Ecclesiastical Insurance 8.625 % pref ELLA GB0003035382

X

X

X

Higher yielding preference share issued by specialist financial group with origins in church insurance.  ESG compliant and pays a coupon twice a year

SLXX i-Share Core Sterling Corporate Bonds IE00B00FV011

This Blackrock ETF provides diversified exposure to investment grade corporate bonds denominated in GBP>

LLPCLloyds 9.25% prefGB00B3KS9W93

X

X

X

Preference share issued by Lloyds Bank currently offering a yield in excess of 6%.Prefs rank higher in the capital structure than ordinary shares.

BC41Prudential 6 7/8 2023XS0083544212

This corporate bond,issud by FTSE insurer Prudential plc matures in 2036 and has a coupon of 6.875% At current prices offers  a running yield of 5.5% 

AE57Aviva 6.125% 2026/2036XS0138717441

x

Corporate bond issued by mult-line Aviva group which offers a running yield of 5.1% and redemption yield of 4.3% if held to redemption in 2036

INXGi-share Index LinkedIE00B1FZSD53

x

This fund seeks to track the performance of an index of UK government index-linked securities. Recent inflation figure higher than expected

IGLTi-share giltsIE00B1FZSB30

This ETF provides diversified exposure to UK governement bonds. The product track's its benchmark, the FTSE Actuaries UK Conventional All Stocks index, very closely while boasting a very low TER of just 0.07%

PF21Provident FinancialXS0900863084

x

A sub-prime lender specialising in credit cards, on line loans and car finance, listed on the LSE and a FTSE 250 constituent. This short term corporate bond has attractive running and redemption yields

EROS1Eros 6.5% 15/10/2021XS1112834608

This company,recently merged with STX Entertainment is primarily involved in motion picture and distribution

61MPLloyds Bank 7.625% 04/2025 bondXS0503834821

British retail and commercial Bank with branches across England and Wales

94HJLloyds Bank 9 5/8  04/2023 bondXS0043098127

British retail and commercial Bank with branches across England and Wales

ENQ1Enquest 7% 15/10/2023XS0880578728

Independent UK based oil exploration and production company, operating mainly in the Continental Shelf

OVERSEAS FIXED INCOME

SELM Emerging Market local govt debt 

This ETF provides diversified (225 holdings) to emerging market bonds IN LOCAL CURRENCY with a TER of 0.5%.As at 21st August 2020 the yield was 5.25% p.a paid in January and July

SHYU$ High Yield Corporate Bonds

Provide diversified exposure to over one thousand sub investment grade bonds across a variety of sectors. Yield close to 5% p.a. paid twice yearly

UK EQUITY

20%

25%

20%

25%

CUKXi-Share Core FTSE 100 (Acc)

X

X

This ETF tracks the performance of the FTSE 100 through accumulation units i.e no income is paid out. The fund holds physical securities and the TER is relatively low at 0.07%

MIDDi-Share ftse 250

ISFi-Share Core FTSE 100 (Inc)

This ETF tracks the performance of the FTSE 100 through distribution units paying out dividends quarterly. The current rolling yield is 4.41%.

HSLHenderson Smaller Companies

x

x

x

BRWMBlack Rock World Mining IT

x

The investment trust invests in metal and mining shares worldwide.Above average performance for sector and currently has over 30% gold exposure

IUKDi-Share UK Dividend UCITS

x

This well diversified ETF offers exposure to around 50 of the FTSE 350 higher yielding shares currently offering a yield of 6%

MRCHMerchants Investment Trust

x

x

x

x

This investment trust currently offers geared (approx 30%) exposure to a number of high yielding blue chips shares. Currently offering a yield near 7% and a discount of 2.4%

SSEScottish and Southern Ordinary

x

x

This equity currently offers the prospect  of an above average and growing dividend yield and strong renewable energy interests

GSK Glaxo plc

Global healthcare company, based in the UK,with significant interest in prescription medicines, vaccines and other health care

LGENLegal & General

Financial Services company, based in London with interest in  investment management, mortgages,insurance and annuities

TSCOTesco

Grocery and General Merchandise retailer with headquarters in Welwyn Garden City

SHRSShires Income Investment Trust

This trust provides exposure to both the energy and mining sectors, with growing renewable interests. Yield is relatively high, currently over 6%,paid quarterly

Shell Royal Dutch Shell B

Multinational oil and gas company,incorporated in UK with headquarters in Holland. Involved in the full chain with global presence

RIORio Tinto

Major international Anglo-Australian metal and mining corporation producing iron ore, copper, diamonds, gold and uranium

VOD vodafone

Multinational telecommunications company,predominantly operating in Asia,Africa,Europe and Oceania

BT.British Telecom

Largest provider of fixed line,broadband and mobile services in the UK,and also subscription TV and IT services

PMGRPremier Miton Global Renewables

OMGOxford Metrics Group

Through two divisions the company helps clients in motion measurement

FIPPFrontier IP Group plc

IP group is a British based Intellectual Property business investing in technology companies. It is in a unique position of benefitting from the union of science finance and industry benefiting from both recurring income flows and realisable equity stakes.

OVERSEAS EQUITY

20

30

40

15

EATEuropean Assets Investment Trust

X

X

X

X

This broadly diversified investment trust provides a total return from a portfolio of medium and smaller Continental European shares currently offering a yield of near 7% and trading at a discount near 10%.

HFELHenderson Far East Income

X

X

X

A diversified Asia-excl Japan investment trust offering an above average yield and long term dividend growth

IWRDi-Share MSCI World

X

This ETF provides broad exposure to leading global companies from 23 countries.The product is physically covered with a TER of 0.5%

IJPHi-Share MSCI Japan hedged

Diversified exposure to MSCI Japan,with hedging of Yen back to sterling,thus minimsing the currency risk to a Sterling based investor

VUSAVanguard S&P 500 ucits

X

X

X

This ETF offers exposure to large established US companies a a relatively low cost.The technology weighting is currently over 25% BG

BGBailiie Gifford Japan Trust

Consistent above average performer providing exposure to growth opportunities from the medium/smaller sized universe.Bottom up process rather than benchmark driven.

JPSJP Mogan Japanese Smaller

This above average performing Japanese investment trust specializes in small amd medium sized equities and ,unusually for the area,pays a quarterly dividend

Legg Mason Japan

Top quartile performer adopting a very focussed approach and strong representation of the healthcare and industrial sectors.

JEMIJP Morgan Emerging Market Inc

This investment trust provides a growing income (current yield 4.5%) from a range of emerging markets.Currently Taiwanese and Chinese equities make up over 50% of the portfolio

PCFTPolar Capital Financials

A global portfolio of financial stocks.As at 24th August ,the investment trusts had US exposure of approx 50% and Banking exposure of approx 46%

VOFVinacap Vietnam Opportunity

This company holds investment in Vietnam,either directly or indirectly and has a mixture of quoted direct equity as well as private equity underlying holdings

IWVL I share MSCI World Value

This ETF seeks to track the performance of an index composed of a sub-set of MSCI World stocks that capture undervalue stocks relative to their fundamentals.

CPXJI sharecore MSCI Pacific ex Japan

OTHER/PROPERTY

5

10

L&G Property

The fund's objective is to provide a combination of income and capital growth over the longer term from a portfolio of predominatly UK Commercial Property.

SERESchroder European Real Estate

This investment trust,run by an experienced real estate team provides exposure to a number of Continental European growth cities

TRYTR Property Investment Trust

This investment trust offers exposure to property equities (UK and Continental European) as well as well as a 15% approx weighting in UK direct property. This structure gives the Manager much more flexibility than a conventional OEIC

INFRASTRUCTURE

5

5

GCPGCP Infrastructure Investment Trust

This FTSE 250 listed investment trust invests in UK infrastructure projects through long term loans and pays investors regular long term sustainable dividends

HICLHICL Infrastructure PLC

The company is focussed on three segments: public-private partnerships,regulated assets and demand based assets.

JARAJP Morgan Global Core Real Assets

Globally and sectorally diversified portfolio of real assets with an emphasis on infrastructure,real estate and transportation

PGITPremier Global Infrastructure Trust

long term capital growth and pay an above average income through investing in securities relating to infrastructure

AERIAquila European Renwables Income

Diversified portfolio of renewable assets, holding both operating assets and greenfield projects

AGRICULTURE

5

5

5

Sarasin Food and Agric

x

x

X

Positive total return through global exposure to companies in the food and agricultural sectors,from growing,processing to retail

RENEWABLE

5

5

5

5

UKWGreencoat UK Wind Plc

x

leading renewable investment trust operating wind farms across the UK.A FTSE 250 member.

BSIFBluefield Solar Income Fund

X

x

Diversified portfolio of UK solar energy assets and seeks to provide investors with a long term income flow,currently linked to RPI

GOLD

5

5

OZKFETF

SPDR is the biggest gold ETF currently available with over $ 57billion of AUM. Physically backed and provided by State Steet, one of the world's largest Fund Managers

Wisdom Tree Physical Gold

x

x

Simple and cost efficient way to provide exposure to the gold price.Fund backed by physical gold held by HSBC

TECH

10

10

5

PCTPolar Global Technology

x

Portfolio of tech shares around the world...USA representing 66% of the portfolio with leading sectoral exposure in software, semiconductors and media

ATTAllianz Technology

x

x

Long term capital growth through principal equity investment in technology companies on a global basis.US exposure currently stands at over 82%.

Pictet Security

Providing safety and security products for systems, people or organisations.... 80% of the portfolio invested in USA

Legal and General Cyber Security ETF

x

Track the security of the ISE cyber security index. Launched in September 2015

HEALTHCARE

5

10

10

5

WWHWorldwide Healthcare

x

x

x

Diversified portfolio of shares in pharma,bio and health care related securrities. Approximately 70% USA

PCGHPolar Capital Global Health

x

x

x

Capital growth  in a global portfolio of healthcare stocks across pharma,bio,medical tech and healthcare services.