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Funds designed to match your investment goals

Our investment team creates each of our multi-manager fund of funds to help support your financial goals – whether you’re looking for long-term growth, or would like to take an income from your investment.  


The Architas fund range

Our investment managers choose underlying funds using our thorough selection process alongside their own experience and skill, and combine them into diversified portfolios that help you spread your risk across different kinds of investments. The team regularly monitors and adjusts the funds to ensure they are performing as expected. 

Choose the type of fund to suit your needs

  • Risk profiled funds: these funds enable you to invest with the confidence that your investment matches your attitude to risk – from cautious funds through to higher risk funds with a greater potential for higher returns.
  • Income generating funds: built for investors who want an income from their investment along with the potential to achieve capital growth. 
  • Specialist funds: created for investors who are interested in a specific asset class or geographic region, or who want to work with their adviser to build a bespoke portfolio.

Please remember that the value of your investment and any income from it can fall as well as rise as a result of market movements and increases or decreases in currency exchange rates. It is not guaranteed and you could get back less than you invest. In addition, the income paid or reinvested is not fixed and can go down as well as up.

Whether you want a cautious approach, or you’re aiming for higher rewards with a riskier investment, our multi-manager funds are designed to match how you feel about risk.

Our risk profiled multi-manager funds have a clear risk rating, from 2 (fairly cautious) to 7 (higher risk), so you can easily see how much risk you’re exposed to. Your adviser will work with you to assess how you feel about risk, and use that information to match one of our funds to your risk profile.

The risk profiles we use are worked out by an independent external company called EValue. Using their expert research and modeling, EValue work out what they believe to be the best mix of investment types to achieve the best risk and reward balance for each risk profile. We use these models and asset allocations to build our fund of funds (portfolios), combining a range of different underlying funds.

Once we’ve built the portfolios, our investment managers regularly monitor them and the underlying funds that make them up. We ensure the portfolios and funds are performing as we expect, and that they are staying within the risk profile band that your adviser worked out with you.

We offer active, passive and blended risk profiled funds – you can read more about the benefits of each style below. Our risk profiling system is based on an assessment of the predicted future performance of various classes of asset. We cannot guarantee the accuracy of these predictions. 

For our active funds, our investment managers start their fund selection with the asset allocation from EValue. Then, adding their own expert analysis to EValue’s background research, they look for ways they can actively enhance the fund selection to try to achieve better growth than the benchmark.

For example, drawing on their own analysis and the wider experience and research of our investment team, they may change the mix of assets to try and counter any downturn in the market – or to take advantage of any of the opportunities identified as part of our wide-ranging analysis and ongoing research.

Key facts
  • Aim to gain higher returns
  • The investment manager can select funds to try to outperform the market, based on their analysis of where there is potential for growth
  • The manager is free to select funds from the whole of the market of funds available

View Active funds

Our investment managers share and discuss ideas on the best investment opportunities during our weekly and monthly committees, and are free to select underlying funds based on their expert analysis of which will perform well in different market conditions.

As the underlying fund managers may spend more time managing these funds, the charges tend to be higher than charges for passive funds. There’s also a risk that they may make subjective decisions, which can lead to these funds performing less well than the market.

Passive funds are also known as tracker funds: they aim to match a benchmark, such as the FTSE 100, as closely as possible.

With our passive fund of funds, we select passively managed underlying funds that track different benchmarks. We spread these across different kinds of investment, following the EValue asset allocation model.

This helps to spread your risk – so if one underlying fund tracks UK shares for example, another might track US shares – helping to lessen the effect on your investment if the UK market takes a downturn that doesn’t affect the US market as much.

Key facts
  • Cost-effective way to invest in a fund
  • Removes emotion from investment decisions, as the underlying funds follow their benchmark rather than the fund managers’ views on where to invest
  • Our fund of funds invests in a range of underlying passive funds, so you still get the benefit of a diversified portfolio

view passive funds

Passive funds are a lower-cost way to invest, as the management charges tend to be lower. This style of investing also removes subjectivity, as passive funds aim to match their benchmark, rather than relying on a fund manager’s personal views about where to invest.

Some investment managers think that passive funds are a good choice in some well-developed markets, where it’s hard for an actively managed fund to achieve better growth than the benchmark. In these cases a passive fund tracking the benchmark gives good value, rather than paying for active management to try to outperform the benchmark.

However, it’s also worth remembering that passive funds only aim to match their benchmark, and don’t aim to achieve better growth than the market.

Blended funds combine active and passive underlying funds, bringing together the potential for higher returns from the active funds and lower costs from the passive funds. Generally our investment managers will choose active funds where there are opportunities for funds to outperform, and passive funds for markets where it may not be worthwhile paying extra for active management, as the market is difficult to outperform.

As with our active funds, our investment managers use their skill, together with the wider team’s thorough background research and analysis, to select underlying funds that give the best opportunity for performance at a good price. They are also free to change the mix of assets to take advantage of short-term market opportunities or reduce risk, based on the team’s combined expertise.  

Key facts
  • May offer higher growth than passive investments, as investment managers can add active funds where they see potential for good performance
  • Lower costs than active funds, as the passive underlying funds cost less to manage
  • Investment managers don’t have to stick to any set allocation between active and passive funds: using their research and expertise, they select underlying funds that they think will provide the best opportunities

view blended funds

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Our income generating funds aim to give you the best of both worlds: a sustainable, stable income combined with the potential for growth for the future.

Many people need to receive an income from their investment – for example, if you’re retiring, starting to lower your working hours in the run-up to retirement, or just want to cover everyday expenses. Our income-generating funds include risk-profiled and non-risk-profiled funds, and can pay income monthly, quarterly or six-monthly, depending on the fund. Our managers take care to invest in a range of assets that will pay income at different times, helping to keep income stable.

You can work out how much income you might receive from a fund by looking at the yield. You can find this on the fund factsheets for each fund. The yield shows the income you receive as a percentage of the value of the fund. However, it’s worth remembering that the yield can go down as well as up, and isn’t guaranteed.

The following things can affect the yield:

  • the timing of your income payments
  • how well your investment is performing
  • tax treatment
  • annual management charges 

Your adviser will be able to explain yield in more detail.

These funds aim to give you a regular, stable income; and are also risk profiled: they have a risk rating that shows you clearly how much risk you’re exposed to. The risk ratings for these funds are at the lower to mid-range of the risk scale, from 2 (fairly cautious) to 4 (medium risk). The highest risk in the risk scale is 7. Your adviser will help you work out which works best for you.

More about how we manage our risk-profiled funds


We offer three risk profiled income generating funds, which all pay income quarterly.

Architas MA Active Reserve Fund – risk profile 2

This fund is designed to give you a diversified alternative to investing in cash, with potentially higher returns than you’d get from a cash account, but with only a low level of risk compared to other funds – the lowest level that we offer (risk profile 2). The fund doesn’t invest in shares (equities), but instead invests in a global portfolio of assets that tend to be lower risk, including bonds, property, alternative assets (such as commodities, like oil), cash and money markets. 

More about this fund, including its yield

view active funds


Architas MA Active Moderate Income Fund - risk profile 3

Designed to have a fairly low level of ups and downs, this fund aims to give you a higher level of income compared with current bank interest rates, and to maintain your capital. It does this by investing in a global portfolio that combines shares in companies, corporate and government bonds, property and alternative assets (such as commodities – tradable goods like oil).  

More about this fund, including its yield

view active funds


Architas MA Active Intermediate Income Fund - risk profile 4

This medium-risk fund aims to help you maintain and grow your capital over the longer term, as well as deliver a stable income that’s higher than the income you’d receive from a long-term bank deposit account. It does this by investing in a range of shares, bonds, property and cash, and also includes some alternative assets – including ‘real’ assets such as infrastructure or commodities (tradable goods, which can be anything from gold to livestock). 

More about this fund, including its yield

view active funds


If you’re comparing any of these funds with a bank deposit account, it’s worth noting that a deposit account generally gives you easier access to your money, plus you are usually guaranteed to get your money back.  

Architas Diversified Real Assets Fund

The Diversified Real Assets Fund aims to give you a stable income and help to stop inflation from eroding the real value of your investment.

It does this by investing in funds that cover a range of real assets, such as property, commodities (which could be anything from gold to livestock), infrastructure or inflation-linked assets. In the past, the value of these assets has increased with inflation (although this isn’t a guarantee that this will continue to happen). The fund pays income six-monthly.

The idea of investing in this way is to spread your risk and try to protect your investment during market downturns. Real assets usually don’t behave in the same way as traditional investments like shares, so if market conditions mean that shares aren’t performing well, a real assets fund may not be affected. Growth in this fund could help to balance out negatives from other, traditional, investments.

Some of the Architas Diversified Real Assets Fund's portfolio is invested in alternative assets, which are different to the more traditional assets classes such as equities and bonds. During difficult market conditions these may be hard to sell at a fair price, referred to as being liquid, which may in turn cause prices of these assets to go up and down more sharply than usual.

VIEW income generating funds

Architas Diversified Global Income Fund

The Diversified Global Income Fund combines traditional investments (such as shares) with funds that invest in alternative assets (such as property), aiming to provide you with a stable income and also grow your capital. It pays income quarterly.

Investing in alternative assets, such as property, infrastructure (such as railways) or commodities (goods that are traded, such as oil or precious metals) alongside traditional investments can be a useful approach to help spread your risk. If market conditions mean that shares, bonds, or other traditional investments aren’t performing well, alternative assets may not be affected, and so may help to balance out the negatives from other investments.

Investing this way may also help protect against the effects of inflation, as in the past the value of these assets has increased with inflation (although this isn’t a guarantee that this will happen in the future too).

VIEW income generating funds

Architas Global Equity Income Fund

The Global Equity Income Fund aims to help spread your risk by investing across a broad range of countries, and aims to give you an attractive level of income alongside capital growth. It provides a quarterly income.

Our investment managers use meticulous research and extensive experience to select funds from different regions that work alongside our UK investments. Investing globally in this way has the potential to help smooth out any ups and downs that affect one region more than another.

VIEW income generating funds

Architas MM Monthly High Income Fund

The Monthly High Income Fund aims to do what it says on the tin – provide an above-average income – higher than UK bank interest rates – which is paid monthly. It also aims to maintain your capital for the medium to long term.

To do this, it invests in a global portfolio of funds, covering a wide range of countries and types of asset – including shares, corporate and government bonds, and property.

VIEW income generating funds

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Our specialist multi-manager funds can help if you and your adviser are building your own portfolio, or you would like to invest in a specific type of asset class or region. 

Even though they invest in just one type of asset class or geographical region, our specialist funds are still diversified to help you spread risk: like all our funds, they are multi-manager. Our investment managers use their skill and expert research to select a variety of underlying funds specialising in that asset class or region. 

view specialist funds

KEY DOCUMENTS

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These documents provide you with key investor information about our funds which you are advised to read before making an investment in any of the Architas Funds.

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The Funds are allowed to invest over 35% of its assets in securities issued by a single local, national or supranational government (supranational government means an international union of different member states that share decision making, for example the European Union). Each of these funds can invest entirely in units of collective investment schemes.

For further information on any of the Architas funds, please refer to the Key Investor Information document, prospectus (which is available upon request) or seek advice from your financial adviser.

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