Personal Portfolio Builder Assessment
Your Optimal Portfolio: NorthStar Ethical Income Portfolio
(Please Note: Your requirement for an ethically invested portfolio has been given precedence over your assessed investment risk level. This may mean that the risk level of the NorthStar Ethical Income Portfolio is in excess of your personal risk tolerance. We therefore recommend careful consideration be given to adding additional low-risk or cash investments to ensure the level of risk is appropriate for your needs. For more information, please contact us. This is a simplified risk assessment and is no substitute for an in-depth appraisal carried out by a NorthStar financial planner. A comprehensive risk assessment will take into account your investment objectives, current situation, investment experience and capacity for loss in addition to your attitude to risk assessed here. Please contact us if you would like a comprehensive risk assessment or to learn more about our assessment process.)
About the NorthStar Ethical Income Portfolio
The NorthStar Ethical Income Portfolio is suitable for investors who are seeking to invest ‘ethically’ and require a balance between income and security. The portfolio is constructed using a broad range of ethically screened income-producing assets including equities, fixed interest, property and cash. Ethical investments typically exclude companies who produce goods such as tobacco, arms, gambling, animal testing and similar activities. The diversification within the portfolio will help investors to be somewhat insulated from the worst short-term market fluctuations. Equity content will usually be around 60% meaning the downside risk of the portfolio may be higher than a number of alternative portfolios in the NorthStar range.
Due to the nature of underlying holdings, investment in this portfolio should be seen as a long-term strategy. Risk aspects include inflation risk, capital risk, shortfall risk, and exchange rate risk. The portfolio targets a yield in excess of 3% plus capital growth in excess of 2-3% per annum over a rolling 5-year period and is benchmarked against the IA Mixed Investment 20-60% Shares sector average. Values may fall as well as rise and investors may not get back the amount originally invested.
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Recommended Asset Allocation
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