Portfolio Update Bulletin

Transcription

1 Portfolio Update Bulletin Q (Old Mutual Wealth) Your guide to investment performance from Straight Talk Financial Planning Ltd covering the period April - June 2016 STRAIGHT TALK FINANCIAL PLANNING LTD Unit 2, Chevron Business Park, Holbury, Southampton, Hampshire, SO45 2QL Tel: info@straighttalkfinancial.co.uk Authorised and Regulated by The Financial Conduct Authority Investments may go down in value as well as up. The future performance of investments will depend on market fluctuations and historical performance is not indicative of future values. You may not recover from an equity linked investment the whole of the sum originally invested. Figures correct as at Please note that the performance shown is based purely on underlying investment performance and does not take into account any specific policy charges. Figures stated are calculated for single monthly periods meaning small discrepancies may occur through natural monthly re-weighing due to differing constituent fund growth during the quarter analysed. In addition, figures may be based on bundled or unbundled versions of funds where available and should therefore be seen as a guide to performance only. Figures shown should not be relied upon solely when making financial decisions. A unit statement from Old Mutual Wealth can be provided giving accurate valuations for your policies at any time. Historical and current month end data derived from Old Mutual Wealth. Please note that the figures shown may be rounded and consequently, small rounding discrepancies may occur Straight Talk Financial Planning Ltd (Straight Talk). No duplication in whole or in part in any medium permitted without the written permission of Straight Talk. All rights reserved. Original template copyright owned by Adviser Breakthrough Software. The Pension Performance Review phrase and logo is a registered trademark of Adviser Breakthrough Software. Adviser Breakthrough Software is a trading style of The Pension Performance Review Company Limited. Document powered by Pension Performance Review Process Version 24.

2 Portfolio Commentary & Recommendations Following the end of the second quarter of 2016 (Q2 2016), this document reviews the investment performance of the Straight Talk portfolios over this period. As well as providing performance data, we set out the background to the investment returns achieved including some brief market and economic analysis. This document also sets out any asset allocation changes and fund switches recommended for the portfolios at this time and the reasons for any such changes. This document should be read in conjunction with the accompanying documents we have sent you which form part of the comprehensive portfolio review for Q from Straight Talk Financial Planning Ltd. If you require any further information about your portfolio or the recommendations contained within this investment review, please contact us. Straight Talk Conservative Portfolio Last 3 Months: 1.1% Last 6 Months: 1.3% Last 12 Months: 2.3% Straight Talk Moderate Conservative Portfolio Last 3 Months: 1. Last 6 Months: 1.1% Last 12 Months: 2.2% Straight Talk Moderate Portfolio Last 3 Months: 1.1% Last 6 Months: 1.6% Last 12 Months: 3.3% Straight Talk Moderate Aggressive Portfolio Last 3 Months: 1.7% Last 6 Months: 2.5% Last 12 Months: 4.2% Straight Talk Aggressive Portfolio Last 3 Months: 1.4% Last 6 Months: 3. Last 12 Months: 4.2% 1

3 Straight Talk Conservative Portfolio The Straight Talk Conservative Portfolio aims to achieve capital growth over the medium to long term through a highly diverse selection of holdings providing growth in excess of its benchmark over this period. This category is appropriate where the investor requires a relatively high level of security and is willing to accept significantly limited upside potential. The investments are predominantly in cash deposits and fixed interest holdings. The remainder of the portfolio will usually comprise equity-backed investments (limited to around of the portfolio) predominantly in the UK in a broad selection of equities and property holdings. Risk aspects include general stock market risk, currency risk and an additional risk of insolvency of the provider where return of capital may be limited to compensation scheme limits. Values may fall as well as rise and the investor may not get back the amount originally invested. : Mixed Inv. (0-35% Shares) Sec. Av. UK 11% North America 2% Europe 2% Japan 1% Far East (ex. Japan) 2% Emerging Markets UK Fixed Interest 61% International Fixed Interest 5% Property 7% Cash 8% Specialist & Global Equity 1% Alternative Assets Liontrust UK Growth (U) AXA Framlington UK Select Opportunities (U) BlackRock North American Equity Tracker (U2) Stewart Investors Asia Pacific Leaders (U) M&G Strategic Corporate Bond (U) Fidelity Strategic Bond (U) Artemis High Income (U) Invesco Perpetual Monthly Income Plus (U2) Invesco Perpetual Corporate Bond (U2) M&G Short Dated Corporate Bond (U) Invesco Perpetual Global Bond (U2) Templeton Global Total Return Bond (U) BlackRock Cash (U) % 10.13% 4.87% 5.61% 7.86% 3.13% % % 0.67% % 1.46% 3.79% 6.33% 4.16% 0.04% 2.93% % 2.6% 1.5% 1.42% 12.07% 9.12% 7.12% 17.11% 12.71% 2.98% 11.61% 4.78% 4.15% 0.64% 0.53% 3.51% 1.26% 1.54% 11.86% % 0.25% 9.85% 2.3% 3.3% STRAIGHT TALK CONSERVATIVE PORTFOLIO 2

4 Straight Talk Moderate Conservative Portfolio The Straight Talk Moderate Conservative Portfolio aims to achieve capital growth over the medium to long term through a highly diverse selection of holdings providing growth in excess of its benchmark over this period. This category is appropriate where the investor requires a moderately high level of security and is willing to accept limited upside potential. The investments are predominantly in cash deposits and fixed interest holdings. The remainder of the portfolio will usually comprise equity-backed investments (limited to around 4 of the portfolio) predominantly in the UK in a broad selection of equities and property holdings and may include some 'alternative' assets. Risk aspects include general stock market risk, currency risk and an additional risk of insolvency of the provider where return of capital may be limited to compensation scheme limits. Values may fall as well as rise and the investor may not get back the amount originally invested. : Mixed Inv. (20-6 Shares) Sec. Av. UK 21% North America 4% Europe 4% Japan 2% Far East (ex. Japan) 3% Emerging Markets 3% UK Fixed Interest 4 International Fixed Interest 4% Property 9% Cash 5% Specialist & Global Equity 2% Alternative Assets 3% AXA Framlington UK Select Opportunities (U) Investec UK Smaller Companies (U) Liontrust UK Growth (U) BlackRock North American Equity Tracker (U2) Threadneedle American Select (U) Baring Europe Select (U) Stewart Investors Asia Pacific Leaders (U) M&G Global Emerging Markets (U) BlackRock Emerging Markets Equity Tracker (U2) Invesco Perpetual Monthly Income Plus (U2) Artemis High Income (U) Fidelity Strategic Bond (U) M&G Short Dated Corporate Bond (U) Invesco Perpetual Global Bond (U2) Templeton Global Total Return Bond (U) BlackRock Cash (U) First State Global Listed Infrastructure (U) Sarasin Food & Agriculture Opportunities (U) Investec Enhanced Natural Resources (U) % 10.13% 5.61% % 7.86% 6.96% 3.16% 3.13% % % 0.67% 0.98% % 0.58% 3.79% 6.33% 4.16% 0.04% 2.93% % 15.58% % 12.07% 7.12% 9.33% 9.12% 17.11% 13.16% 17.49% 12.71% 2.98% 11.61% 5.28% 1.84% 0.53% 0.64% 4.15% 1.54% 1.26% 11.86% % 0.25% 9.85% 28.71% 12.06% 15.43% 2.2%. 2.5% 1.5% 2.3% 0.1% STRAIGHT TALK MODERATE CONSERVATIVE PORTFOLIO 4

5 Straight Talk Moderate Portfolio The Straight Talk Moderate Portfolio aims to achieve capital growth over the medium to long term through a highly diverse selection of holdings providing growth in excess of its benchmark over this period. This category is appropriate where the investor requires some short term security and is willing to balance this with the upside potential of the portfolio. The holdings are predominantly (around 6) in equity-backed investments predominantly in the UK in a broad selection of equities. The remainder of the portfolio will usually comprise fixed interest holdings, cash and property backed investments and some 'alternative' assets. Risk aspects include general stock market risk, currency risk and an additional risk of insolvency of the provider where return of capital may be limited to compensation scheme limits. Values may fall as well as rise and the investor may not get back the amount originally invested. : 5 Mixed Inv. (20-6 Shares) Sec. Av. + 5 Mixed Inv. (40-85% Shares) Sec. Av. UK 29% North America 6% Europe 6% Japan 2% Far East (ex. Japan) 5% Emerging Markets 4% UK Fixed Interest 23% International Fixed Interest 3% Property 11% Cash 3% Specialist & Global Equity 3% Alternative Assets 5% 9.0 AXA Framlington UK Select Opportunities (U) Investec UK Smaller Companies (U) Liontrust UK Growth (U) BlackRock North American Equity Tracker (U2) Threadneedle American Select (U) Baring Europe Select (U) Stewart Investors Asia Pacific Leaders (U) Newton Asian Income (U) M&G Global Emerging Markets (U) BlackRock Emerging Markets Equity Tracker (U2) Invesco Perpetual Monthly Income Plus (U2) Artemis High Income (U) Fidelity Strategic Bond (U) M&G Short Dated Corporate Bond (U) Templeton Global Total Return Bond (U) 9.0 First State Global Property Securities (U) BlackRock Cash (U) First State Global Listed Infrastructure (U) Sarasin Food & Agriculture Opportunities (U) Investec Enhanced Natural Resources (U) 0.45% 5.61% 10.13% % 7.86% 6.96% 3.16% 3.13% % 8.52% % 0.67% 0.98% 1.46% % 6.33% 4.16% 8.25% 0.04% 2.93% % 15.58% % 1.42% 7.12% 12.07% 9.33% 9.12% 17.11% 13.16% 17.49% 12.71% 2.98% 11.61% 19.35% 5.28% 1.84% 0.53% 0.64% 1.54% 4.15% 1.26% % 19.14% 0.25% 9.85% 28.71% 12.06% 15.43% 3.3% 2.5% 1.4% 2.2% 1.1% STRAIGHT TALK MODERATE PORTFOLIO 5

6 Straight Talk Moderate Aggressive Portfolio The Straight Talk Moderate Aggressive Portfolio aims to achieve capital growth over the medium to long term through a highly diverse selection of holdings providing growth in excess of its benchmark over this period. This category is appropriate where the investor requires relatively low short term security and significant upside potential. The holdings are predominantly (around 8) in equity-backed investments predominantly in the UK in a broad selection of equities. The remainder of the portfolio will usually comprise fixed interest holdings, cash and property backed investments and some 'alternative' assets. Risk aspects include general stock market risk, currency risk and an additional risk of insolvency of the provider where return of capital may be limited to compensation scheme limits. Values may fall as well as rise and the investor may not get back the amount originally invested. : Mixed Inv. (40-85% Shares) Sec. Av. UK 32% North America 8% Europe 8% Japan 3% Far East (ex. Japan) 7% Emerging Markets 6% UK Fixed Interest 13% International Fixed Interest 2% Property 9% Cash 2% Specialist & Global Equity 4% Alternative Assets 6% AXA Framlington UK Select Opportunities (U) Investec UK Smaller Companies (U) Liontrust UK Growth (U) BlackRock North American Equity Tracker (U2) Threadneedle American Select (U) Baring Europe Select (U) FP Argonaut European Alpha Stewart Investors Asia Pacific Leaders (U) Newton Asian Income (U) Baring ASEAN Frontiers (U) M&G Global Emerging Markets (U) BlackRock Emerging Markets Equity Tracker (U2) Invesco Perpetual Monthly Income Plus (U2) Fidelity Strategic Bond (U) M&G Short Dated Corporate Bond (U) Templeton Global Total Return Bond (U) First State Global Property Securities (U) BlackRock Cash (U) AXA Framlington Biotech (U) First State Global Listed Infrastructure (U) Investec Enhanced Natural Resources (U) Sarasin Food & Agriculture Opportunities (U) 0.45% 5.64% 10.13% % 7.86% 6.96% 3.16% 3.13% % 8.52% 8.34% % 0.67% % 0.58% 6.33% 4.16% 8.25% 0.04% 2.93% 4.48% % 5.61% 1.42% 7.14% 12.07% 9.33% 9.12% 17.11% 13.16% 17.49% 12.71% 4.93% 2.98% 11.61% 19.35% 15.54% 5.28% 1.84% 0.53% 4.15% 1.54% 1.26% % 19.14% 0.25% 9.85% 21.98% 28.71% 15.43% 12.06% % 4.2% 3.4% 1.7% % STRAIGHT TALK MODERATE AGGRESSIVE PORTFOLIO 6

7 Straight Talk Aggressive Portfolio The Straight Talk Aggressive Portfolio aims to achieve capital growth over the medium to long term through a highly diverse selection of holdings providing growth in excess of its benchmark over this period. This category is appropriate where the investor requires very limited short term security and high upside potential. The holdings are predominantly (around 9) in equity-backed investments predominantly in the UK in a broad selection of equities. The remainder of the portfolio will usually comprise fixed interest holdings, cash and property backed investments and some 'alternative' assets. Risk aspects include general stock market risk, currency risk and an additional risk of insolvency of the provider where return of capital may be limited to compensation scheme limits. Values may fall as well as rise and the investor may not get back the amount originally invested. : Flexible Investment Sec Av. UK 34% North America 9% Europe 9% Japan 4% Far East (ex. Japan) 1 Emerging Markets 12% UK Fixed Interest 3% International Fixed Interest 1% Property 5% Cash Specialist & Global Equity 5% Alternative Assets 8% Investec UK Smaller Companies (U) AXA Framlington UK Select Opportunities (U) BlackRock North American Equity Tracker (U2) Threadneedle American Select (U) Baring Europe Select (U) FP Argonaut European Alpha M&G Japan Smaller Companies (U) Stewart Investors Asia Pacific Leaders (U) Newton Asian Income (U) Baring ASEAN Frontiers (U) M&G Global Emerging Markets (U) BlackRock Emerging Markets Equity Tracker (U2) Templeton Global Total Return Bond (U) First State Global Property Securities (U) AXA Framlington Biotech (U) First State Global Listed Infrastructure (U) Investec Enhanced Natural Resources (U) Sarasin Food & Agriculture Opportunities (U) % 10.13% 0.45% 7.86% 6.96% 3.16% 3.13% % % 8.52% 8.34% % 1.46% 6.33% 4.16% 8.25% 2.93% 4.48% % 5.61% % 3.2% 1.8% 9.33% 7.12% 12.07% 1.42% 17.11% 13.16% 17.49% 12.71% 4.93% 12.79% 2.98% 11.61% 19.35% 15.54% 5.28% 1.84% 1.54% % 19.14% 9.85% 21.98% 28.71% 15.43% 12.06% 4.2% 2.1% 2.1% STRAIGHT TALK AGGRESSIVE PORTFOLIO 7

8 Notes 8

9 . STRAIGHT TALK FINANCIAL PLANNING LTD Unit 2, Chevron Business Park, Holbury, Southampton, Hampshire, SO45 2QL Tel: Authorised and Regulated by The Financial Conduct Authority Investments may go down in value as well as up. The future performance of investments will depend on market fluctuations and historical performance is not indicative of future values. You may not recover from an equity linked investment the whole of the sum originally invested. Figures correct as at Please note that the performance shown is based purely on underlying investment performance and does not take into account any specific policy charges. Figures stated are calculated for single monthly periods meaning small discrepancies may occur through natural monthly re-weighing due to differing constituent fund growth during the quarter analysed. In addition, figures may be based on bundled or unbundled versions of funds where available and should therefore be seen as a guide to performance only. Figures shown should not be relied upon solely when making financial decisions. A unit statement from Old Mutual Wealth can be provided giving accurate valuations for your policies at any time. Historical and current month end data derived from Old Mutual Wealth. Please note that the figures shown may be rounded and consequently, small rounding discrepancies may occur Straight Talk Financial Planning Ltd (Straight Talk). No duplication in whole or in part in any medium permitted without the written permission of Straight Talk. All rights reserved. Original template copyright owned by Adviser Breakthrough Software. The Pension Performance Review phrase and logo is a registered trademark of Adviser Breakthrough Software. Adviser Breakthrough Software is a trading style of The Pension Performance Review Company Limited. Document powered by Pension Performance Review Process Version 24