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.
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.
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.
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:
- 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
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
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
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 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).
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.
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.
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.
Article | Investments | 15/02/2019
In this guide to passive investment you can find out about the basics of investing in funds, the benefits of asset allocation and how passive investing itself works.
Article | Videos | 14/02/2019
Mayank Markanday, Senior Investment Manager for Architas, talks alternative assets and how they fared quite well relative to stocks.
The Architas Multi-Manager Monthly High Income Fund may invest over 35% of its assets in investments 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.