The value of your investment can go down as well as up and you may get back less than you paid in. Past performance isn't a guide to future performance. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

Overview

Investment Options

Charges

Overview

Investment Options

Charges

ISA funds to suit you

With a Standard Life Individual Savings Account (ISA) there are two options when it comes to investing your money.

You can choose our Easy option where your money is invested in to one of our MyFolio Index funds. This means that the team at Aberdeen Standard Investments looks after your investments for you. This could be a good choice for you if you don’t have the time to look after your own investments or if you’re new to investing.

If that’s not the right fit for you, you can go for the DIY investment option where you choose from the full range of thousands of funds from many of the leading fund managers in the market. This could be the option for you if you're an experienced investor.  

It’s important to know that it's easy to change your investments in the future if you want to. If you select our Easy option you can still choose funds from the DIY range if you want to. Or if you go for the DIY option you will be able to invest in MyFolio Index funds at any time too.

Easy option

With this option, you simply choose one of five MyFolio Index funds based on how much investment risk you're comfortable taking. The experts from Aberdeen Standard Investments will then manage these funds with the aim of achieving the best possible returns for you for that level of risk.

Keep in mind that the value of investments can go down as well as up and you could get back less than you paid in. Essentially, the higher the level of risk, the more your investment could go up and down in value. If you aren’t comfortable taking even a small amount of risk with your money then the MyFolio Index Funds aren’t right for you.

You can check your attitude to risk using our quick questionnaire.

Easy option fund performance

You can find out more about the MyFolio Index funds, including how they perform by using the tool below. Just select a level of risk:

Choose a risk level and we'll show you the MyFolio Managed Fund designed to match.

Slider bar
 

Lower risk

Medium risk

Higher risk


Risk indicator dials

 

How has it performed?

 

£1,400

£1,300

£1,200

£1,100

£900


 

If you had invested £1,000 in June 2015 this would now be worth.

Year on Year Performance










Performance Source: Financial Express (FE) 31/12/2020
The figures are calculated using the fund price which is the price you receive when buying or selling units in a fund, and assumes that any income the fund generates is reinvested. It also takes into account the charges which apply to the fund. There may be a small difference between the figures here and those in the fund factsheet, this will be due to the rounding process used by the different sources of information.

Where is your money invested?

The experts at Aberdeen Standard Investments who manage the MyFolio Managed Funds invest across the globe. They use different types of investments to try and get the best possible returns for the level of risk you’re happy taking.

Regional split for Aberdeen Standard Investments Fund

  • 30% UK
  • 30% Europe (ex UK)
  • 30% North America
  • 30% Emerging Markets
  • 30% Japan
  • 30% Asia Pacific
    (ex Japan)
  • 30% Money Market
    Instruments (Inc Cash)
  • 30% Specialist and other
    (including absolute return)

This map is a broad graphical representation of regional exposures and does not represent the detail of the holdings of the fund.

Asset class split for Aberdeen Standard Investment Fund

An asset class is a category of investments, such as equities or bonds. Normally assets in the same class have similar characteristics. But they can have very different returns and risks.

 

Equities
Part ownership in a company - often known as stocks or shares.

Bonds
Essentially loans to a government or company. Often for a set time period and usually pay regular interest. Bonds can be issued by governments or companies.

Property
Includes direct investment in buildings and land. Also indirect investments like shares in property companies.

Money market instruments (including cash)
Includes deposits with banks, governments and large corporations, as well as investments that are generally riskier than cash. Money market instruments can fall in value.

Specialist and other (including absolute return)
Other investments that don't fit into one of the other asset class categories. Includes direct and indirect investments in real assets like commodities, for example oil and precious metals. Also includes investments with specialist characteristics, such as absolute return investments.

More about asset classes at Where to invest.

How the Standard Life Investments MyFolio Fund has performed and where it invests.How the Standard Life Investments Managed Fund has performed and where it invests.

 Standard Life MyFolio Managed III Pension Fund

Data provided by FE.
Care has been taken to ensure that the information is correct, but it neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omission or any inconsistencies herein.

Regional and Asset class splits

  • Regional splits
    Source: Aberdeen Standard Investments. These figures are based on information as at 31/12/2020.
  • Asset class splits
    Source: Aberdeen Standard Investments. These figures are based on information as at 31/12/2020.

DIY option

By choosing the DIY option, you can pick from the full range of thousands of funds covering different asset classes, regions and investment styles. You should make sure your investment choices meet your savings goals and attitude to risk. You’ll also need to make sure you have the time to regularly review and monitor your choices to make sure they stay appropriate for your goals.

DIY option fund performance

You can take a look at the funds you can choose from, and learn about their performance using our fund filter tool.

Ready to open an ISA?

You can open an ISA online in minutes. All you need to do is tell us how much you’d like to invest, where you want to invest and some details about you, as well as about any other ISAs you’d like to transfer in.

Open an ISA today
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