Investment ObjectiveThe fund aims to provide a total return, substantially by way of income though with some capital appreciation. There may be a moderate risk to capital.
Our process begins with the formulation of a strategic asset allocation. This asset allocation is reviewed regularly based on our assessment of current economic, political and market conditions. These investment decisions are implemented predominantly with passive securities (i.e. those securities which are designed to track the performance of a particular index).
What You Need To Consider
In making your choice of investment you need to consider the level of risk you are prepared to take, how much growth you need to achieve, and over what time. In short, how much are you prepared to lose; are you a slow and steady investor or might you be comfortable taking more risk for the possibility of more return? If you have a long time to grow your investments you might be able to ride out market ups and downs better than someone who needs their money in just 5 years.
Risk is however not the only factor to consider. You should also regularly reassess the suitability of your investments to ensure that they continue to meet your investment goals and suit your time horizon. You should be aware that there can be no guarantees. The value of investments may go up and down and you may get back less than you invested originally.
Fund Availability And Risk Mapping
The 7IM funds are available via the majority of the major wraps, platforms and life and pension wrappers. Additionally, we have mapped our funds to a range of the most frequently used risk profiling tools. If you would like further information relating to either of these areas, please call us on 020 7760 8777. Our funds are rated by a number of research and rating firms.
7IM’s funds are mapped against a selection of third party risk profiling tools to assist advisers as part of suitability assessments for clients. Such tools are however only one aspect of an adviser’s suitability process and other such as the clients’ investment term / horizon and knowledge and experience should also be considered. The methodology of third party risk profiling tools is not endorsed by 7IM and individual fund risk profiling scores may not correspond precisely to the risk indicators in the 7IM fund literature.
7IM AAP Moderately Cautious Fund may be suitable for those investors wanting a total return, substantially by way of income though with some capital appreciation with a moderate risk to capital, by investing in a sub-fund that allows investment in a wide range of asset classes, regions, currencies and investment types.