Before taking advantage of the Brewin Portfolio Service, you will need to decide what level of risk you are comfortable with. Our model portfolios offer six different risk categories. By adjusting the asset mix in each we have made it simple to find a portfolio that is right for you.
The value of investments and any income from them can fall and you may get back less than you invested.
Your choice of portfolios
Six ready-made portfolios
The Brewin Portfolio Service is a range of six ready-made portfolios designed to suit a variety of risk appetites. To determine which one is right for you, please read the descriptions below. More information on each portfolio’s current construction and historical performance can be found by clicking on the PDFs next to each portfolio’s description.
Each BPS portfolio is built from a combination of investment funds selected by our award-winning research team. To find out more about the funds used to craft these portfolios, you can read the Key Investor Information Documents (or KIIDs) here.
Risk Profiles
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NO INVESTMENT RISK - PORTFOLIO NOT AVAILABLEYou are completely averse to any investments that could put your capital at risk. You accept that, in light of inflation, this is highly likely to have the effect of eroding the purchasing power of your capital. This typically means that your money will be held in cash, building society accounts or national savings. |
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EXTREMELY LOW RISK - PORTFOLIO NOT AVAILABLEYou are prepared to accept only a very limited risk of loss to your capital. As a result your investment portfolio is likely to be composed of interest bearing assets with limited potential for short or long-term growth. You accept that in light of inflation, this strategy may have the effect of eroding the purchasing power of your capital. This means that you will still typically invest in cash and national savings, but will also have some exposure to fixed income investments (in the form of UK Government securities - gilts) and to equities (in the form of collective investment schemes). |
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VERY LOW INVESTMENT RISK PORTFOLIOYou are averse to risk and therefore not comfortable with significant investments in your portfolio which might put your capital at risk. Preservation of your capital is very important to you and you would like to maintain the real value of your investments against inflation. Your portfolio will typically have some exposure to equities and a proportionately higher exposure to fixed income investments, at least some of which will contain market exposure. |
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LOW INVESTMENT RISK PORTFOLIOYou are not comfortable with having the majority of your portfolio in higher risk investments such as equities. Capital preservation is important to you and you would like to maintain the real value of your investments against inflation. Your portfolio is likely to be more evenly balanced between equities and fixed income investments. |
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LOW TO MODERATE INVESTMENT RISK PORTFOLIOYou would like a significant proportion of your portfolio to be in higher risk investments and you are willing to accept a greater short term potential for losses from your overall portfolio, in order to generate potentially higher long term returns. Your portfolio may typically have a higher exposure to equities than fixed income investments and is likely to have low to moderate levels of market volatility. |
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MODERATE INVESTMENT RISK PORTFOLIOYou are prepared to have the significant majority of your investments in equities in order to achieve higher returns at the expense of greater risk to your capital. Your portfolio will typically have a substantially higher weighting towards equities than fixed income investments and is likely to have moderate market volatility. |
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MODERATE TO HIGH INVESTMENT RISK PORTFOLIOYou would like to have the opportunity for large scale returns and you are comfortable with having a larger proportion of your capital at risk, and accept the possibility of larger short term losses, in order to achieve your long term investment aims. Your portfolio will typically have a very high weighting towards equities and very low levels of fixed income investments. Your portfolio is likely to have moderate to high market volatility. |
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HIGH INVESTMENT RISK PORTFOLIOYou would like to have the opportunity for high returns and you are prepared to accept the possibility of a significant loss of capital in order to achieve these greater potential returns. Your portfolio will typically be almost exclusively invested in equities. Your portfolio is likely to have high market volatility. |
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VERY HIGH INVESTMENT RISK - PORTFOLIO NOT AVAILABLEYou are willing to invest in higher risk and speculative investments to achieve high possible returns and accept the risk of losing all, or a substantial part, of your capital. Typically, this could include very high risk investments such as venture capital trusts, enterprise investment schemes, business property relief schemes and other specialist investments. |
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EXTREMELY HIGH INVESTMENT RISK - PORTFOLIO NOT AVAILABLEYou are prepared to make wholly speculative investments, fully aware of and accepting the possibility of losing all of your capital. This could typically be in the form of derivatives and contingent liability investments, which often include gearing, which means you could lose more than your initial capital investment. You are totally insensitive to risk. |
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Find out more
To find out more about our Junior ISA and the Brewin Portfolio Service check out our detailed frequently asked questions.
Or get in touch with our dedicated customer support team:
CALL US ON 0333 207 9003
Email: customer.services@brewin.co.uk
Post: Brewin Portfolio Service, Sixth Floor, Atria One, 144 Morrison Street, Edinburgh, EH3 8BR
Opening hours: Monday - Friday 8.00am to 6.00pm and Saturday 8.00am to 12.00pm
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