NorthStar Ethical Balanced Growth Portfolio
The NorthStar Ethical Balanced Growth Portfolio is suitable for investors who are seeking to invest ‘ethically’ and require a balance between capital growth and capital security. The portfolio is constructed using a broad range of assets which may include equities, fixed income, property, infrastructure, alternative investments and cash. The diversification of this portfolio will insulate investors from some short-term market volatility. Investments are predominantly held in assets that seek to promote environmental, ethical, sustainable and socially responsible causes and exclude companies that promote or produce tobacco, fossil fuels, arms, gambling, animal testing and similar activities. Equity content will typically be around 70%, meaning the portfolio will exhibit moderate downside risk to achieve the required level of capital growth.
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 key objective of the portfolio is to adhere to high ethical, sustainable and socially responsible standards at all times. These considerations will always take precedence over portfolio returns. The portfolio targets capital growth in excess of 5-6% per annum over a rolling 5-year period and is benchmarked against the IA Mixed Investment 40-85% Shares sector average. Values may fall as well as rise and investors may not get back the amount originally invested.
The NorthStar Ethical Balanced Growth Portfolio is a medium-risk investment strategy that is likely to exhibit moderate volatility and downside risk to achieve the required level of capital growth.
FE Risk Score: 71 Indicative Risk Level: 6/10 Volatility: 11.7%
FE Risk Score: 71
Indicative Risk Level: 6/10
Portfolio Asset Allocation
The current asset allocation of the NorthStar Ethical Balanced Growth Portfolio:
A summary of key information about the NorthStar Ethical Balanced Growth Portfolio:
| Inception Date: 01.01.15
| Current Holdings: 15
| FE Risk Score: 71
| Historic Yield: 1.2%
| Volatility: 11.7%
| Targeted Average Annual Return¹: 5-6%
| Indicative Risk Level: 6/10
| Rebalance Frequency: Biannual
| Benchmark²: IA Mixed Investment 40-85% Shares
The NorthStar Ethical Balanced Growth Portfolio contains the following funds:
| Royal London Sustainable Leaders Trust 11%
| Jupiter Responsible Income 6%
| Liontrust UK Ethical 5%
| FP Foresight Global Real Infrastructure 2%
| Sarasin Sustainable Global Real Estate 2%
| Rathbone Ethical Bond 6%
| Royal London Ethical Bond 5%
| Aegon Ethical Corporate Bond 2%
| iShares ESG Screened Global Corporate Bond Index 5%
| Vanguard ESG Developed World All Cap Equity Index 17%
| BMO Responsible Global Equity 15%
| Stewart Investors Worldwide Sustainability 15%
| Guinness Sustainable Energy 4%
| Royal London Short Term Money Market 5%
At NorthStar, we believe in total charging transparency and are committed to simple, clear fees. The annual charge for the NorthStar Ethical Balanced Growth Portfolio is:
| Annual Portfolio Charge (OCF)³: 0.59%
All investors also pay an annual platform charge and ongoing advice fee dependent upon circumstances.
About NorthStar Wealth Management
Award-winning independent financial planning designed to help you take control of your money, grow your wealth, protect your lifestyle and plan for a more certain future.
Performance of the NorthStar Ethical Balanced Growth Portfolio since inception (January 2015) to February 2022:
NorthStar Ethical Balanced Growth Portfolio Factsheet
The NorthStar Portfolio Range
Learn more about the complete range of NorthStar portfolios.
2. Over a rolling 5-year period.
3.Portfolio charges are calculated using the average fund charges across all applicable platforms.
Performance data are on a bid-to-bid basis, with income reinvested. Performance data do not take into account platform or advisory charges and exclude any holdings in platform ‘cash accounts’. Performance data show returns for discounted ‘super clean’ funds where these are available. Such funds may not be available on all platforms. Performance data are rounded to the nearest 0.1% so small rounding errors may occur. Data correct as at 01.02.22. Source: FE. The value of investments and the income from them can fluctuate and investors may not get back the full amount invested. Past performance is not necessarily a guide to future performance. The tax treatment of investments depends on individual circumstances and is subject to changes in tax legislation. Figures are provided for illustrative purposes only and their accuracy cannot be guaranteed. Information provided should not be relied upon in isolation when making investment decisions and does not constitute advice or an offer to purchase any investment or product. Please contact us for more information on our range of portfolios.
Awards, Accreditations & Trade Associations
NorthStar is proud to be members of the leading financial planning trade associations. Through a continued commitment to work to the highest professional standards and deliver real value to all clients, our work has been recognised with a number of awards and professional accreditations.