Once you know how much risk to take — the planner works that out from six questions and what your plan can absorb — holding the level is the easy part. For each level: the ready-made funds whose mix matches it, and the index funds to build it yourself. Facts from the providers' own documents, dated, in no order of merit. The planner shows the same tables filtered to your wrapper and amount, with charges in pounds.
Find your level in the planner How the levels work
1. Very cautious — 15% shares, 65% bonds, 20% cash
Expected 4.3% a year before charges, with a spread of ±5 points. UK history 1871–2020 for this mix: worst year -16% (1974), largest fall 22% (1972–1974), 3 years to recover.
One ready-made fund. Multi-asset ranges are sold by equity share; the fund in each range nearest 15% — listed in the data file's order, not ranked.
| Range | Fund | Equity | Charge |
|---|---|---|---|
| Vanguard LifeStrategy Fixed weights; UK tilt in equities; overseas bonds hedged to sterling · factsheet | LifeStrategy 20% Equity GB00B4NXY349 | 20% | 0.22% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.22%. UK history for a mix like this — 20% shares, 80% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 32% (1971–1974), 4 years to recover. What this charge costs — see 0.22% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| HSBC Global Strategy Portfolios Risk-targeted, so the weights move within a band; includes property; passive building blocks · factsheet | Global Strategy Cautious ≈ | 22% | 0.15% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.15%. UK history for a mix like this — 22% shares, 78% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 33% (1972–1974), 3 years to recover. What this charge costs — see 0.15% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| BlackRock MyMap Volatility-targeted; weights move; ESG-screened variants exist · factsheet | MyMap 3 ≈ | 28% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 28% shares, 72% bonds, 1871–2020; a mix, not the fund's own record: worst year -25% (1974); largest fall 36% (1972–1974), 3 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Fidelity Multi Asset Allocator Index funds inside at fixed weights; small property allocation · factsheet | Multi Asset Allocator Defensive ≈ | 20% | 0.20% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.20%. UK history for a mix like this — 20% shares, 80% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 32% (1971–1974), 4 years to recover. What this charge costs — see 0.20% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Legal & General Multi-Index Risk-targeted; includes property and some active allocation over index building blocks · factsheet | Multi-Index 3 ≈ | 22% | 0.31% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.31%. UK history for a mix like this — 22% shares, 78% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 33% (1972–1974), 3 years to recover. What this charge costs — see 0.31% a year in pounds at your horizon with the cost-of-fees calculator. | |||
Or build it from index funds at the level's own weights — blended charge about 0.08%–0.13% a year: 15% equity (Vanguard FTSE Global All Cap Index Fund; Fidelity Index World Fund; HSBC FTSE All-World Index Fund; Vanguard FTSE All-World UCITS ETF (VWRP); iShares Core FTSE 100 UCITS ETF) · 65% bonds (Vanguard UK Government Bond Index Fund; iShares Core UK Gilts UCITS ETF (IGLT); Vanguard Global Bond Index Fund (GBP hedged); iShares UK Gilts 0-5yr UCITS ETF (IGLS); Vanguard UK Investment Grade Bond Index Fund; iShares Core £ Corporate Bond UCITS ETF (SLXX)) · 20% cash (Royal London Short Term Money Market Fund; Vanguard Sterling Short-Term Money Market Fund).
2. Cautious — 30% shares, 55% bonds, 15% cash
Expected 4.8% a year before charges, with a spread of ±6 points. UK history 1871–2020 for this mix: worst year -22% (1974), largest fall 31% (1972–1974), 3 years to recover.
One ready-made fund. Multi-asset ranges are sold by equity share; the fund in each range nearest 30% — listed in the data file's order, not ranked.
| Range | Fund | Equity | Charge |
|---|---|---|---|
| Vanguard LifeStrategy Fixed weights; UK tilt in equities; overseas bonds hedged to sterling · factsheet | LifeStrategy 20% Equity GB00B4NXY349 | 20% | 0.22% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.22%. UK history for a mix like this — 20% shares, 80% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 32% (1971–1974), 4 years to recover. What this charge costs — see 0.22% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| HSBC Global Strategy Portfolios Risk-targeted, so the weights move within a band; includes property; passive building blocks · factsheet | Global Strategy Cautious ≈ | 22% | 0.15% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.15%. UK history for a mix like this — 22% shares, 78% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 33% (1972–1974), 3 years to recover. What this charge costs — see 0.15% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| BlackRock MyMap Volatility-targeted; weights move; ESG-screened variants exist · factsheet | MyMap 3 ≈ | 28% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 28% shares, 72% bonds, 1871–2020; a mix, not the fund's own record: worst year -25% (1974); largest fall 36% (1972–1974), 3 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Fidelity Multi Asset Allocator Index funds inside at fixed weights; small property allocation · factsheet | Multi Asset Allocator Defensive ≈ | 20% | 0.20% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.20%. UK history for a mix like this — 20% shares, 80% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 32% (1971–1974), 4 years to recover. What this charge costs — see 0.20% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Legal & General Multi-Index Risk-targeted; includes property and some active allocation over index building blocks · factsheet | Multi-Index 3 ≈ | 22% | 0.31% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.31%. UK history for a mix like this — 22% shares, 78% bonds, 1871–2020; a mix, not the fund's own record: worst year -23% (1974); largest fall 33% (1972–1974), 3 years to recover. What this charge costs — see 0.31% a year in pounds at your horizon with the cost-of-fees calculator. | |||
Or build it from index funds at the level's own weights — blended charge about 0.07%–0.15% a year: 30% equity (Vanguard FTSE Global All Cap Index Fund; Fidelity Index World Fund; HSBC FTSE All-World Index Fund; Vanguard FTSE All-World UCITS ETF (VWRP); iShares Core FTSE 100 UCITS ETF) · 55% bonds (Vanguard UK Government Bond Index Fund; iShares Core UK Gilts UCITS ETF (IGLT); Vanguard Global Bond Index Fund (GBP hedged); iShares UK Gilts 0-5yr UCITS ETF (IGLS); Vanguard UK Investment Grade Bond Index Fund; iShares Core £ Corporate Bond UCITS ETF (SLXX)) · 15% cash (Royal London Short Term Money Market Fund; Vanguard Sterling Short-Term Money Market Fund).
3. Balanced — 60% shares, 30% bonds, 10% cash
Expected 5.7% a year before charges, with a spread of ±10 points. UK history 1871–2020 for this mix: worst year -34% (1974), largest fall 46% (1972–1974), 3 years to recover.
One ready-made fund. Multi-asset ranges are sold by equity share; the fund in each range nearest 60% — listed in the data file's order, not ranked.
| Range | Fund | Equity | Charge |
|---|---|---|---|
| Vanguard LifeStrategy Fixed weights; UK tilt in equities; overseas bonds hedged to sterling · factsheet | LifeStrategy 60% Equity GB00B3TYHH97 | 60% | 0.22% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.22%. UK history for a mix like this — 60% shares, 40% bonds, 1871–2020; a mix, not the fund's own record: worst year -36% (1974); largest fall 49% (1972–1974), 3 years to recover. What this charge costs — see 0.22% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| HSBC Global Strategy Portfolios Risk-targeted, so the weights move within a band; includes property; passive building blocks · factsheet | Global Strategy Balanced ≈ | 60% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 60% shares, 40% bonds, 1871–2020; a mix, not the fund's own record: worst year -36% (1974); largest fall 49% (1972–1974), 3 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| BlackRock MyMap Volatility-targeted; weights move; ESG-screened variants exist · factsheet | MyMap 5 ≈ | 65% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 65% shares, 35% bonds, 1871–2020; a mix, not the fund's own record: worst year -38% (1974); largest fall 51% (1972–1974), 3 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Fidelity Multi Asset Allocator Index funds inside at fixed weights; small property allocation · factsheet | Multi Asset Allocator Growth ≈ | 60% | 0.20% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.20%. UK history for a mix like this — 60% shares, 40% bonds, 1871–2020; a mix, not the fund's own record: worst year -36% (1974); largest fall 49% (1972–1974), 3 years to recover. What this charge costs — see 0.20% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Legal & General Multi-Index Risk-targeted; includes property and some active allocation over index building blocks · factsheet | Multi-Index 5 ≈ | 55% | 0.31% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.31%. UK history for a mix like this — 55% shares, 45% bonds, 1871–2020; a mix, not the fund's own record: worst year -35% (1974); largest fall 47% (1972–1974), 3 years to recover. What this charge costs — see 0.31% a year in pounds at your horizon with the cost-of-fees calculator. | |||
Or build it from index funds at the level's own weights — blended charge about 0.07%–0.18% a year: 60% equity (Vanguard FTSE Global All Cap Index Fund; Fidelity Index World Fund; HSBC FTSE All-World Index Fund; Vanguard FTSE All-World UCITS ETF (VWRP); iShares Core FTSE 100 UCITS ETF) · 30% bonds (Vanguard UK Government Bond Index Fund; iShares Core UK Gilts UCITS ETF (IGLT); Vanguard Global Bond Index Fund (GBP hedged); iShares UK Gilts 0-5yr UCITS ETF (IGLS); Vanguard UK Investment Grade Bond Index Fund; iShares Core £ Corporate Bond UCITS ETF (SLXX)) · 10% cash (Royal London Short Term Money Market Fund; Vanguard Sterling Short-Term Money Market Fund).
4. Growth — 75% shares, 20% bonds, 5% cash
Expected 6.2% a year before charges, with a spread of ±12 points. UK history 1871–2020 for this mix: worst year -40% (1974), largest fall 54% (1972–1974), 3 years to recover.
One ready-made fund. Multi-asset ranges are sold by equity share; the fund in each range nearest 75% — listed in the data file's order, not ranked.
| Range | Fund | Equity | Charge |
|---|---|---|---|
| Vanguard LifeStrategy Fixed weights; UK tilt in equities; overseas bonds hedged to sterling · factsheet | LifeStrategy 80% Equity GB00B4PQW151 | 80% | 0.22% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.22%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.22% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| HSBC Global Strategy Portfolios Risk-targeted, so the weights move within a band; includes property; passive building blocks · factsheet | Global Strategy Dynamic ≈ | 78% | 0.18% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.18%. UK history for a mix like this — 78% shares, 22% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 56% (1972–1974), 4 years to recover. What this charge costs — see 0.18% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| BlackRock MyMap Volatility-targeted; weights move; ESG-screened variants exist · factsheet | MyMap 6 ≈ | 80% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Fidelity Multi Asset Allocator Index funds inside at fixed weights; small property allocation · factsheet | Multi Asset Allocator Adventurous ≈ | 80% | 0.20% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.20%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.20% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Legal & General Multi-Index Risk-targeted; includes property and some active allocation over index building blocks · factsheet | Multi-Index 6 ≈ | 70% | 0.31% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.31%. UK history for a mix like this — 70% shares, 30% bonds, 1871–2020; a mix, not the fund's own record: worst year -40% (1974); largest fall 53% (1972–1974), 3 years to recover. What this charge costs — see 0.31% a year in pounds at your horizon with the cost-of-fees calculator. | |||
Or build it from index funds at the level's own weights — blended charge about 0.07%–0.20% a year: 75% equity (Vanguard FTSE Global All Cap Index Fund; Fidelity Index World Fund; HSBC FTSE All-World Index Fund; Vanguard FTSE All-World UCITS ETF (VWRP); iShares Core FTSE 100 UCITS ETF) · 20% bonds (Vanguard UK Government Bond Index Fund; iShares Core UK Gilts UCITS ETF (IGLT); Vanguard Global Bond Index Fund (GBP hedged); iShares UK Gilts 0-5yr UCITS ETF (IGLS); Vanguard UK Investment Grade Bond Index Fund; iShares Core £ Corporate Bond UCITS ETF (SLXX)) · 5% cash (Royal London Short Term Money Market Fund; Vanguard Sterling Short-Term Money Market Fund).
5. Adventurous — 85% shares, 10% bonds, 5% cash
Expected 6.5% a year before charges, with a spread of ±14 points. UK history 1871–2020 for this mix: worst year -44% (1974), largest fall 57% (1972–1974), 4 years to recover.
One ready-made fund. Multi-asset ranges are sold by equity share; the fund in each range nearest 85% — listed in the data file's order, not ranked.
| Range | Fund | Equity | Charge |
|---|---|---|---|
| Vanguard LifeStrategy Fixed weights; UK tilt in equities; overseas bonds hedged to sterling · factsheet | LifeStrategy 80% Equity GB00B4PQW151 | 80% | 0.22% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.22%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.22% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| HSBC Global Strategy Portfolios Risk-targeted, so the weights move within a band; includes property; passive building blocks · factsheet | Global Strategy Dynamic ≈ | 78% | 0.18% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.18%. UK history for a mix like this — 78% shares, 22% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 56% (1972–1974), 4 years to recover. What this charge costs — see 0.18% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| BlackRock MyMap Volatility-targeted; weights move; ESG-screened variants exist · factsheet | MyMap 6 ≈ | 80% | 0.17% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.17%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.17% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Fidelity Multi Asset Allocator Index funds inside at fixed weights; small property allocation · factsheet | Multi Asset Allocator Adventurous ≈ | 80% | 0.20% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.20%. UK history for a mix like this — 80% shares, 20% bonds, 1871–2020; a mix, not the fund's own record: worst year -43% (1974); largest fall 57% (1972–1974), 4 years to recover. What this charge costs — see 0.20% a year in pounds at your horizon with the cost-of-fees calculator. | |||
| Legal & General Multi-Index Risk-targeted; includes property and some active allocation over index building blocks · factsheet | Multi-Index 7 ≈ | 85% | 0.31% |
What it holds, and what its charge costs youAsset split, regions, bond duration and top ten holdings: on the provider's factsheet. Charge (OCF) 0.31%. UK history for a mix like this — 85% shares, 15% bonds, 1871–2020; a mix, not the fund's own record: worst year -45% (1974); largest fall 59% (1972–1974), 5 years to recover. What this charge costs — see 0.31% a year in pounds at your horizon with the cost-of-fees calculator. | |||
Or build it from index funds at the level's own weights — blended charge about 0.07%–0.21% a year: 85% equity (Vanguard FTSE Global All Cap Index Fund; Fidelity Index World Fund; HSBC FTSE All-World Index Fund; Vanguard FTSE All-World UCITS ETF (VWRP); iShares Core FTSE 100 UCITS ETF) · 10% bonds (Vanguard UK Government Bond Index Fund; iShares Core UK Gilts UCITS ETF (IGLT); Vanguard Global Bond Index Fund (GBP hedged); iShares UK Gilts 0-5yr UCITS ETF (IGLS); Vanguard UK Investment Grade Bond Index Fund; iShares Core £ Corporate Bond UCITS ETF (SLXX)) · 5% cash (Royal London Short Term Money Market Fund; Vanguard Sterling Short-Term Money Market Fund).
How to check a fund — seven things on every factsheet
- Ongoing charge — the OCF on the factsheet, plus any platform fee and dealing costs; the plan shows what a difference of a few tenths of a percent adds up to over a lifetime.
- Tracking difference — how far the fund has lagged its own index each year — a truer cost than the OCF alone. It is on the factsheet or the KIID.
- Fund size — small funds can be closed or merged; a few hundred million pounds or more is usual for a mainstream tracker.
- Hedging — whether overseas bonds are hedged to sterling (most multi-asset funds do); unhedged overseas bonds add currency swings to a slice meant to be steady.
- Accumulation or income units — accumulation rolls dividends back in; income pays them out. In a taxable account the dividends are taxable either way.
- Domicile and reporting status — an ETF held in a taxable account should have UK reporting status, or gains are taxed as income. Irish- and UK-domiciled mainstream ETFs have it; the factsheet says.
- The 1–7 risk number — the synthetic risk indicator on the KIID is a bucket of past volatility, not a forecast; a global equity tracker sits at 5 or 6, a 60/40 fund at 4.
Compiled from the providers' public factsheets and pricing pages. Figures change; every row must be checked against the current factsheet before being relied on. Not a recommendation; not ranked; not a complete list of the market. Capital is at risk. Past performance does not predict future returns. Charges are ongoing charge figures (OCF) published by the providers as at the date above; platform fees and dealing costs are extra.