NorthStar Safety Portfolio
Investment Objective
The NorthStar Safety Portfolio is suitable for investors who require extremely high capital security and wish to protect their investment from short-term market fluctuation. The portfolio is constructed using a broad range of low-risk assets which may include equities, fixed income, property, infrastructure, alternative investments and cash. The diversification and low-risk construction of this portfolio will insulate investors from the majority of short-term market volatility and provide significant capital protection. Long-term returns may be lower than other portfolios in the NorthStar range to achieve the required level of capital security.
This portfolio is not risk-free and investment in this portfolio should be seen as a long-term strategy. Risk aspects include inflation risk, shortfall risk and some exchange rate risk. The portfolio aims to provide significant downside protection, targets capital growth in excess of 2-3% per annum over a rolling 5-year period and is benchmarked against a composite of 60% IA Mixed Investment 0-35% Shares sector average and 40% IA Short Term Money Market sector average. Values may fall as well as rise and investors may not get back the amount originally invested.
Portfolio Risk
The NorthStar Safety Portfolio is a low-risk investment strategy that is likely to exhibit very low volatility and downside risk to achieve the required level of capital growth.
FE Risk Score: 32 Indicative Risk Level: 1/10 Volatility: 4.5%
Portfolio Asset Allocation
The current asset allocation of the NorthStar Safety Portfolio:
Key Information
A summary of key information about the NorthStar Safety Portfolio:
| Portfolio Type: Capital Preservation
| Inception Date: 01.01.15
| Constituent Funds: 11
| FE Risk Score: 32
| Historic Yield: 2.9%
| Volatility: 4.5%
| Targeted Average Annual Return¹: 2-3%
| Indicative Risk Level: 1/10
| Rebalance Frequency: Biannual
| Benchmark²: 60% IA MI 0-35% Shares/40% IA ST Money Market
Constituent Funds
The NorthStar Safety Portfolio contains the following funds:
| Royal London Short Term Money Market 20%
| Abrdn Sterling Money Market 13%
| L&G Cash Trust 10%
| Aegon Absolute Return Bond 8%
| Aviva Investors Multi-Asset Core Fund I 8%
| HSBC FTSE All-World Index 8%
| Janus Henderson Multi-Asset Absolute Return 8%
| HSBC Global Strategy Cautious Portfolio 7%
| Janus Henderson Diversified Alternatives 7%
| Vanguard LifeStrategy 20% Equity 6%
| Fidelity Multi Asset Allocator Defensive 5%
Portfolio Charges
At NorthStar, we believe in total charging transparency and are committed to simple, clear fees. The annual charge for the NorthStar Safety Portfolio is:
| Annual Portfolio Charge (OCF)³: 0.23%
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 Safety Portfolio since inception (January 2015) to August 2024:
Portfolio Documents
NorthStar Safety Portfolio Factsheet
NorthStar Safety 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. 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.
