Model Portfolios
Four ready-made portfolios selected and managed by our experts. Designed to help you realise your financial goals.
Looking for a ready-made portfolio to fit your investment goals? Then look no further than our new model portfolios. Designed to make it easier for investors, these four portfolios offer either growth or income options, with a choice of actively managed investments or low-cost tracker funds. Selected and managed by ii with input from the team who brought you the Money Observer portfolios, whose performance has made them a popular choice with investors.
Full details of our methodology, including how the model portfolios are constructed and managed, as well as the full selection process can be found here.
Our new model portfolios are designed to help investors realise their financial goals. They comprise our highest-conviction choices from the whole fund universe and are built upon a proven selection process. Created with an asset allocation to global equities of between 80% and 100%, they are designed for investors who have at least five years before they need the money.
Moira O'Neill, Head of Personal Finance at interactive investor
What will it cost to buy and sell the model portfolios?
You will have to buy and sell each constituent individually. Lump-sum investment starts from as little as £3.99 online with ii, depending on the Service Plan you select. You can also invest monthly using our free regular investment service. A 0.5% UK stamp duty applies when you buy investment trust shares and government charges apply to some investments.
Our ready-made portfolios
Active growth
This portfolio is designed for investors who are building their wealth and are interested in investing in active fund managers, who are able to select what sectors and stocks they want.
The following table lists the constituents of the active growth portfolio and the current portfolio weighting of each. The Product Cost includes both the ongoing charge and any other costs associated with managing the investment, including transaction costs, incurred by the manager buying and selling underlying investments. It is a more accurate indication of the total annual costs, rather than just using the ongoing charge figure. We also show how a £20,000 investment would be allocated.
| Investment | Portfolio Weighting | Ongoing Charge (OCF) | Product Cost | Allocation of £20,000 |
| Liontrust Special Situations I Inc | 10% | 0.83% | 0.92% | £2,000 |
| Castlefield CFP SDL UK Bufftlgy Gen Inc | 10% | 1.19% | 1.41% | £2,000 |
| Scottish Mortgage Ord | 15% | 0.37% | 0.86% | £3,000 |
| Fidelity Global Dividend W Acc | 10% | 0.93% | 1.11% | £2,000 |
| Fundsmith Equity I Acc | 15% | 0.95% | 0.96% | £3,000 |
| F&C Investment Trust Ord | 10% | 0.57% | 1.10% | £2,000 |
| JPMorgan Emerging Markets Ord | 10% | 0.99% | 1.03% | £2,000 |
| Jupiter Strategic Bond I Acc | 10% | 0.73% | 0.94% | £2,000 |
| Capital Gearing Ord | 5% | 0.68% | 1.08% | £1,000 |
| Standard Life Private Eq Ord | 5% | 1.12% | 5.50% | £1,000 |
| Total / Weighted Average | 100% | 0.81% | 1.25%* | £20,000 |
* This is the combined figure for the portfolio, based on the current portfolio weighting. Data correct as at end October 2020.
In addition, ii charges a monthly Service Plan fee and a separate SIPP fee. Our monthly fee comes with trading credits. Trade costs are usually £7.99, or £3.99 for our Super Investor Service Plan and free for regular investments. Please note that UK Stamp Duty Reserve Tax is not tiered and is charged at 0.5% on Investment Trusts. For full details on our charges please see our Rates & Charges.
Timeline
| November 2020 |
A selective rebalancing back to the target Fund weightings: from Scottish Mortgage IT to Liontrust Special Situations and Jupiter Strategic Bond Funds |
| April 2020 |
Scottish Mortgage Trust |
| April 2020 |
Standard Life Private Equity Trust |
| April 2020 |
Increase in the number of funds for greater diversification and a full rebalancing back to the target Asset Allocation and Fund weightings |
| January 2019 | Portfolio launched |
Active income
Please note: As a result of recent extreme economic conditions, many companies have temporarily stopped paying dividends or have significantly reduced the amount they are paying out. This means the income that is likely to be achieved by funds and trusts in the near future may be far less than the historic yield quoted in the portfolios.
This portfolio is designed for investors who are looking for income and are interested in investing in active fund managers, who are able to select what high yielding stocks they want.
The following table lists the constituents of the active income portfolio and the current portfolio weighting of each. The Product Cost includes both the ongoing charge and any other costs associated with managing the investment, including transaction costs, incurred by the manager buying and selling underlying investments. It is a more accurate indication of the total annual costs, rather than just using the ongoing charge figure. We also show how a £20,000 investment would be allocated.
| Investment | Portfolio Weighting | Ongoing Charge (OCF) | Product Cost | Historic Yield | Allocation of £20,000 |
| City of London Ord | 10% | 0.39% | 0.96% | 6.28% | £2,000 |
| Man GLG UK Income Professional Inc D | 10% | 0.90% | 1.63% | 7.12% | £2,000 |
| Fidelity Global Dividend W Inc | 15% | 0.93% | 1.11% | 2.84% | £3,000 |
| Bankers Ord | 10% | 0.50% | 0.95% | 2.21% | £2,000 |
| Morgan Stanley Global Brands Equity Income I Inc | 10% | 1.00% | 1.13% | 4.00% | £2,000 |
| Murray International Ord | 15%` | 0.69% | 1.04% | 5.65% | £3,000 |
| Utilico Emerging Markets Ord | 10% | 1.10% | 1.64% | 4.00% | £2,000 |
| Jupiter Strategic Bond I Inc | 10% | 0.73% | 0.94% | 3.05% | £2,000 |
| Standard Life Private Equity | 5% | 1.12% | 5.50% | 2.83% | £1,000 |
| BMO Commercial Property | 5% | 1.18% | 2.43% | 2.79% | £1,000 |
| Total / Weighted Average | 100% | 0.82%* | 1.44%* | 4.22%* | £20,000 |
*These are the combined figures for the portfolio, based on the current portfolio weighting. Data correct as at end October 2020.
In addition, ii charges a monthly Service Plan fee and a separate SIPP fee. Our monthly fee comes with trading credits. Trade costs are usually £7.99, or £3.99 for our Super Investor Service Plan and free for regular investments. Please note that UK Stamp Duty Reserve Tax is not tiered and is charged at 0.5% on Investment Trusts. For full details on our charges please see our Rates & Charges.
Timeline
| August 2020 |
BMO Commercial Property Trust |
| August 2020 |
Morgan Stanley Global Brands Equity Income Fund |
| August 2020 |
Murray International Trust |
| August 2020 |
Artemis Global Income Fund |
| May 2020 |
Jupiter Strategic Bond Fund |
| May 2020 |
Royal London Sterling Extra Yield Bond Fund |
| April 2020 |
BMO Commercial Property Trust |
| April 2020 |
City of London Trust |
| April 2020 |
Threadneedle UK Equity Income Fund |
| April 2020 |
Fidelity Global Dividend Fund |
| April 2020 |
Henderson International Income Trust |
| April 2020 |
Murray International Trust |
| April 2020 |
Increase in the number of funds for greater diversification and a full rebalancing back to the target Asset Allocation and Fund weightings |
| August 2019 |
Renewables Infrastructure Trust |
| August 2019 |
BMO Commercial Property Trust |
| August 2019 |
Standard Life Private Equity Trust |
| January 2019 | Portfolio launched |
Low-cost growth
This portfolio is designed for investors who are building their wealth and are interested in investing in low-cost tracker funds, who replicate an index and where there is no fund manager discretion.
The following table lists the constituents of the low-cost growth portfolio and the current portfolio weighting of each. The Product Cost includes both the ongoing charge and any other costs associated with managing the investment, including transaction costs, incurred by the manager buying and selling underlying investments. It is a more accurate indication of the total annual costs, rather than just using the ongoing charge figure. We also show how a £20,000 investment would be allocated.
| Investment | Portfolio Weighting | Ongoing Charge (OCF) | Product Cost | Allocation of £20,000 |
| Fidelity Index UK P Acc | 10% | 0.06% | 0.13% | £2,000 |
| Vanguard FTSE 250 UCITS ETF | 10% | 0.10% | 0.26% | £2,000 |
| iShares Core MSCI World ETF USD Acc GBP | 15% | 0.20% | 0.21% | £3,000 |
| L&G Global 100 Index I Acc | 15% | 0.14% | 0.11% | £3,000 |
| Vanguard Glbl Small-Cap Idx GBP Acc | 15% | 0.31% | 0.36% | £3,000 |
| Fidelity Index Emerging Markets P Acc | 15% | 0.20% | 0.54% | £3,000 |
| Vanguard Global Bond Index GBPH Acc | 10% | 0.15% | 0.30% | £2,000 |
| WisdomTree Enhanced Cmdty ETF USD Acc GBP | 5% | 0.35% | 0.93% | £1,000 |
| iShares Glb Prpty Secs Eq Idx (UK) D Acc | 5% | 0.17% | 0.26% | £1,000 |
| Total / Weighted Average | 100% | 0.18%* | 0.31%* | £20,000 |
* This is the combined figure for the portfolio, based on the current portfolio weighting. Data correct as at end October 2020.
In addition, ii charges a monthly Service Plan fee and a separate SIPP fee. Our monthly fee comes with trading credits. Trade costs are usually £7.99, or £3.99 for our Super Investor Service Plan and free for regular investments. Please note that UK Stamp Duty Reserve Tax is not tiered and is charged at 0.5% on Investment Trusts. For full details on our charges please see our Rates & Charges.
Timeline
| April 2020 |
Vanguard FTSE 250 ETF |
| April 2020 |
L&G Global 100 Index Fund |
| April 2020 |
Increase in the number of funds for greater diversification and a full rebalancing back to the target Asset Allocation and Fund weightings |
| January 2019 | Portfolio launched |
Low-cost income
Please note: As a result of recent extreme economic conditions, many companies have temporarily stopped paying dividends or have significantly reduced the amount they are paying out. This means the income that is likely to be achieved by funds and trusts in the near future may be far less than the historic yield quoted in the portfolios.
This portfolio is designed for investors who are building their wealth and are interested in investing in low-cost tracker funds, who replicate an index and where there is no fund manager discretion.
The following table lists the constituents of the low-cost growth portfolio and the current portfolio weighting of each. The Product Cost includes both the ongoing charge and any other costs associated with managing the investment, including transaction costs, incurred by the manager buying and selling underlying investments. It is a more accurate indication of the total annual costs, rather than just using the ongoing charge figure. We also show how a £20,000 investment would be allocated.
| Investment | Portfolio Weighting | Ongoing Charge (OCF) | Product Cost | Historic Yield | Allocation of £20,000 |
| Vanguard FTSE U.K. Eq Inc Idx Inc | 10% | 0.14% | 0.22% | 6.82% | £2,000 |
| SPDR® S&P UK Dividend Aristocrats ETF | 10% | 0.30% | 0.73% | 3.64% | £2,000 |
| SPDR® S&P Global Div Aristocrats ETF | 15% | 0.45% | 0.58% | 4.39% | £3,000 |
| WisdomTree Glbl Eqlty Div Gr ETF USD Acc GBP | 15% | 0.38% | 0.40% | 2.64% | £3,000 |
| Vanguard FTSE All-World High Div Yld ETF | 15% | 0.29% | 0.34% | 3.38% | £3,000 |
| WisdomTree Emerging Mkts Eq Inc ETF GBP | 15% | 0.46% | 0.53% | 5.29% | £3,000 |
| Vanguard Global Bond Index GBPH Inc | 10% | 0.15% | 0.30% | 1.64% | £2,000 |
| SPDR Morningstar Multi-Asset Infrastructure ETF Inc | 5% | 0.40% | 0.40% | 2.25% | £1,000 |
| iShares Glb Prpty Secs Eq Idx (UK) D Inc | 5% | 0.17% | 0.25% | 3.06% | £1,000 |
| Total / Weighted Average | 100% | 0.32%* | 0.44%* | 3.83%* | £20,000 |
* This is the combined figure for the portfolio, based on the current portfolio weighting. Data correct as at end October 2020.
In addition, ii charges a monthly Service Plan fee and a separate SIPP fee. Our monthly fee comes with trading credits. Trade costs are usually £7.99, or £3.99 for our Super Investor Service Plan and free for regular investments. Please note that UK Stamp Duty Reserve Tax is not tiered and is charged at 0.5% on Investment Trusts. For full details on our charges please see our Rates & Charges.
Timeline
| April 2020 |
SPDR® S&P UK Dividend Aristocrats ETF |
| April 2020 |
WisdomTree Global Quality Dividend Growth ETF |
| April 2020 |
WisdomTree Emerging Markets Equity Income ETF |
| April 2020 |
iShares EM Dividend ETF |
| April 2020 |
Increase in the number of funds in the portfolio for greater diversification and a full rebalancing back to the target Asset Allocation and Fund weightings |
| January 2019 | Portfolio launched |
We asked Rebecca O'Keeffe, Head of Investments at ii to answer your questions about the model portfolios and how to start investing - find out more.
Past performance of the underlying constituents is not a guarantee of future performance. The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest.
Annual performance can be found on the factsheet of each fund, trust or ETF. Simply click on the asset’s name and then the performance tab.
The information we provide in respect of the ii Model Portfolios is an opinion provided by ii or one of its partners on whether to buy a specific investment or portfolio. Please note that none of the opinions we provide are a “personal recommendation”, which means that we have not assessed your investing knowledge and experience, your financial situation or your investment objectives. Therefore you should ensure that any investment decisions you make are suitable for your personal circumstances.
If you are unsure about the suitability of a particular investment or think that you need a personal recommendation, you should speak to a suitably qualified financial advisor.
Any changes to the ii Model Portfolio constituents and the rationale behind those decisions will be communicated through the Quarterly Investment Outlook.
ii adheres to a strict code of conduct. Members of ii staff may hold shares or units in investments which make up the ii Model Portfolios, which could create a conflict of interest. Any member of staff intending to complete some research about any financial instrument in which they have an interest are required to disclose such interest to ii. We will at all times consider whether such interest impairs the objectivity of the recommendation.
In addition, staff involved in the production of the ii Model Portfolios are subject to a personal account dealing restriction. This prevents them from placing a transaction in these portfolios or the underlying specified constituents of each portfolio for five working days before and after an investment is included or amended and made public within the list. This is to avoid personal interests conflicting with the interests of the recipients of the ii Model Portfolio options.
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