NorthStar Ethical Balanced Growth Portfolio
Investment Objective
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 Volatility Managed sector average. Values may fall as well as rise and investors may not get back the amount originally invested.
Portfolio Risk
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: 10.5%
Portfolio Asset Allocation
The current asset allocation of the NorthStar Ethical Balanced Growth Portfolio:
Key Information
A summary of key information about the NorthStar Ethical Balanced Growth Portfolio:
| Portfolio Type: Capital Growth
| Inception Date: 01.01.15
| Constituent Funds: 8
| FE Risk Score: 71
| Historic Yield: 2.1%
| Volatility: 10.5%
| Targeted Average Annual Return¹: 5-6%
| Indicative Risk Level: 6/10
| Rebalance Frequency: Biannual
| Benchmark²: IA Volatility Managed
Constituent Funds
The NorthStar Ethical Balanced Growth Portfolio contains the following funds:
| Vanguard ESG Screened Developed World All Cap Equity Index 27%
| Vanguard ActiveLife Climate Aware 60-70% Equity 22%
| L&G Future World ESG Multi-Index 5 14%
| Fidelity Sustainable Multi Asset Balanced 11%
| M&G Sustainable Multi Asset 10%
| HSBC Global Sustainable Multi-Asset Balanced Portfolio 8%
| L&G Future World ESG Emerging Markets Index 4%
| Royal London Short Term Money Market 4%
Portfolio Charges
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: 0.39%
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.
Portfolio Performance
Performance of the NorthStar Ethical Balanced Growth Portfolio since inception (January 2015) to August 2024:
Portfolio Documents
NorthStar Ethical Balanced Growth Portfolio Factsheet
NorthStar Ethical Balanced Growth Portfolio Key Investor Information Document Pack
The NorthStar Portfolio Range
Learn more about the complete range of NorthStar portfolios.
2. Portfolio benchmarked over a rolling 5-year period.
3. Calculated using the weighted ongoing charges figure (OCF) of constituent funds on primary platform. Portfolio charges on other platforms may vary.
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. Benchmark amended from ‘IA Mixed Investment 40-85% Shares’ on 01.09.22. Performance data are rounded to the nearest 0.1% so small rounding errors may occur. Data correct as at 01.08.24. 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 a member of the leading financial planning trade associations. Through a continued commitment to adhere to the highest professional standards and deliver exceptional service, NorthStar has received a number of awards and professional accreditations.
