Smart range investors
Passive investments
Focus on passive investments which seek to grow wealth gradually, and helps reduce underlying costs for investors focused on cost efficiency.
What are passive investments?
Passive funds are a way of buying a collection of investments offering diversified exposure to an asset class or region, without having to buy each security individually. Passive funds track the performance of a collection of securities, or index, across a variety of areas including shares, bonds and commodities. Whether in the form of ETFs (Exchange-Traded Funds) which are traded on recognised stock exchanges, or open-ended funds offering trading once a day, passives generally have lower costs than actively-managed funds.
It’s good to remember the value of investments can go down as well as up and you could get back less than you invested.
Smart range experts
- Wealth management experts: Smart Ready-made Portfolios are managed by the investment experts at our parent company, Evelyn Partners, one of the UK’s leading integrated wealth management and professional services firms. They look after over £60 billion of people’s money (as of 30 September 2024).
Why are they called the “Smart” range?
The name derives from the investment industry term ‘Smart Beta’. Beta is a byword for tracking an index, and Smart Beta describes looking beyond the most widely held indices to build a portfolio which has exposure to a range of different styles and factors. So while the Smart funds use passive funds and ETFs to get exposure to the markets, we track a variety of different indices to achieve the desired balance within the portfolios.
5 types of risk-rated Smart Ready-made Portfolios
It’s a good idea to understand how much investment risk you are comfortable with. If you would like some help, it’s easy to arrange a free investment coaching session with a qualified financial planner at Bestinvest, with no ongoing commitment.
Smart Cautious |
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Investment strategy and risk level: Cautious portfolios mix bonds and shares with the aim of modest returns while keeping risk low. |
Smart Balanced |
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Investment strategy and risk level: Balanced portfolios invest roughly equally in bonds and shares, offering moderate risk and growth. |
Smart Growth |
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Investment strategy and risk level: Growth portfolios invest more in shares than bonds, offering moderate risk and growth. |
Smart Adventurous |
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Investment strategy and risk level: Adventurous portfolios aim for big growth by mainly investing in shares, designed for high-risk investors. |
Smart Maximum Growth |
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Investment strategy and risk level: Maximum Growth portfolios target the highest returns, investing almost entirely in shares, for those ready for high risk. |
Accounts for Smart Ready-made Portfolios
Taxable accounts
You can buy a Smart Ready-made Portfolio in a General Investment Account – it’s good to note that capital gains tax charges will apply, which depend on individual circumstances and are subject to change.
Tax-efficient accounts
Such as Individual Savings Account (ISA), Self-invested Personal Pension (SIPP) and a Small self-administered scheme (SSAS) investment account
Fees for Smart Ready-made Portfolios
The Ongoing Charges Figure (OCF) of these funds is currently 0.29% - 0.35% per year and is taken directly from the performance of the fund (January 2025).
The service fee charged on Ready-made Portfolio holdings starts at a discounted rate of 0.2% per year – this rate tiers down further for large holdings.
Other charges may apply
Bestinvest can help you get going
Give our friendly team a call on 020 7189 2400 if you need help getting started, or you can dive straight in and compare Smart Ready-made Portfolios with our investment search tool.
