Lifestyle Portfolios

Lifestyle Portfolio offshore investment

Four Portfolios with one aim: to meet your investment needs

As you move through life, what you want from your investments can change.

Our four Lifestyle Portfolios are designed to meet your investment needs in different circumstances and at different stages of your life. With four very different portfolios to choose from you can adapt your investment strategy as your life and circumstances evolve.

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Lifestyle Portfolios at a glance

  • Four investment portfolios designed with flexibility to suit your needs, wherever you are on your financial journey
  • Multi–manager, multi–fund, multi–asset class approach spreads the risk and broadens your opportunities
  • All portfolios available in sterling, a selection available in US dollar and euro
  • Competitive Annual Management Charge (0.75% per annum of the value of the portfolio for Income, 1.35% per annum for Aspire, Build and Shelter portfolios, subject always to the minimum charges as set out below)
  • Modest Establishment Charge if the funds invested are less than £500,000 (or currency equivalent) then a 1% establishment charge will apply
  • Minimum investment £100,000 or currency equivalent. Top-ups and withdrawals from £10,000 minimum (for additional investments an additional 1% charge of the additional monies will apply if the sum of the current value of the portfolio and the additional funds is less than £500,000 (or currency equivalent)
  • Dedicated point of contact
  • Expert advice from our professionally qualified financial advisers

Four Lifestyle portfolios to choose from

Each portfolio description Risk Level Annual Management Charges
Income
The income portfolio may suit people who want to generate an income from their savings while seeking to preserve their capital over the long term.

Bonds make up a large proportion of the 'income' asset mix, while a smaller exposure to equities is retained to potentially conserve capital value.

Balanced
There's a modest risk of fluctuation in the capital value and/or return from your portfolio and levels of income can not be guaranteed.		 0.75% per annum of the value of the portfolio (subject always to a minimum charge of £500)

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Shelter
If your priority is to conserve your wealth rather than add to it, the 'Shelter' portfolio may be suitable for you. The portfolio offers a balanced approach without the need to draw a regular income from your portfolio.

Bonds account for a good proportion of the mix, with equities providing some opportunity to participate in the wider markets

Balanced
There's a modest risk of fluctuation in both capital value and/or return from your portfolio.		 1.35% per annum of the value of the portfolio (subject always to a minimum charge of £1,000)

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Build
Build may be ideal if you want to increase your wealth without being too adventurous.

For 'Build' a significant proportion of both bonds and equities make up the asset mix, with the equity weighting being the higher of the two..

Progressive
There's an increased risk of fluctuations in the capital value and return compared to the 'income' or 'shelter' portfolios. It may suit you if you invest on a regular basis.		 1.35% per annum of the value of the portfolio (subject always to a minimum charge of £1,000)

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Aspire
The Aspire portfolio may be appropriate if you want to build your wealth over the long term.

To achieve this, the largest proportion of the investment mix is made up of equity funds.

 Adventurous
In terms of risk, this portfolio may suit more adventurous investors. This means that there is a potential for greater, long-term growth but also a higher risk of capital losses.		 1.35% per annum of the value of the portfolio (subject always to a minimum charge of £1,000)

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Risk Warnings

The value of investments, and the income from them, can go down as well as up and cannot be guaranteed. An investment in a currency other than the investor's own currency or in a fund that invests in securities denominated in currencies other than base currency will be subject to the movement of foreign exchange rates. Consequently, investors may receive an amount greater or less than their original investment. Past performance should not be seen as an indication of future performance.

The risk you will be exposed to is dependent on your risk profile e.g. 'Shelter' profile is designed to expose you to less risk compared to the 'Aspire' profile.

The asset classes and allocations shown are for illustration purposes only and may vary, particularly in times of volatile market conditions and if investment policy changes. Index tracker funds may not necessarily perform in exactly the same way as the index they're tracking due to the impact of charges and expenses. Selected funds can under–perform their reference markets.

Lloyds TSB International does not advise on any tax implications — you should seek your own tax advice from a qualified tax adviser. For further details on underlying investments and associated risks, please refer to Appendix A of the Terms and Conditions.

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What will the portfolios typically invest in?

Typical Classes Lifestyle Portfolio
  Income Shelter Build Aspire
Government securities and bonds 80% 59.4% 34.4% 11.1%
Home currency equity 10% 10% 30% 46.7%
High yield bonds 5% – – –
Cash – 10% 7% 3.3%
Absolute return – 7.8% 3% –
International equity – 10% 20% 31.1%
Real estate 5% 2.8% 5.6% 7.8%

The core investments within the portfolios are in index–tracking funds and these are supplemented by a smaller proportion of actively managed funds. Exchange Traded Funds are used to provide some of the index–tracking element. These are a more cost–efficient way of investing and can also be rapidly bought and sold, should the Investment Manager need to make a change to the portfolio. Absolute Return funds are also used and these seek to provide a positive return in all market conditions.

Help choosing a portfolio

Our professionally qualified financial advisers will give you support and guidance, whatever your circumstances. They will:

  • help you identify your investment needs
  • talk to you about how comfortable you are with risk
  • make recommendations to suit your needs

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Looking for more cautious investments?

Find an option to suit you with our savings and investment finder.

Our investment management

Based in our Private Banking operation in Geneva, our investment managers are experts at what they do. Their investment approach enables you to:

  • invest in a range of funds at an attractive cost, with a multi-fund, multi-manager approach
  • spread your risks and broaden your opportunities by investing across a variety of funds and asset classes
  • invest in funds from highly regarded organisations, chosen for their strength and investment performance. These may include our own funds and amongst others, Aberdeen Asset Management, Blackrock, Invesco, Investec and Pictet Funds.

Staying in touch with your investments

  • Check your portfolio 24/7 when you register for our online service.
  • Call us for an update and for answers to any queries.
  • Get a statement of financial affairs every six months, including:
  • a summary of your investment
  • its value
  • any fees charged
  • any income received
  • market reports relating to your portfolio

Charges

  • Annual management charges (taken quarterly in arrears)
  • Income: 0.75% pa* of the value of the portfolio (minimum charge £500)
  • Shelter: 1.35% pa* of the value of the portfolio (minimum charge £1,000)
  • Build: 1.35% pa* of the value of the portfolio (minimum charge £1,000)
  • Aspire: 1.35% pa* of the value of the portfolio (minimum charge £1,000)

*Per annum

  • There are no charges for switching between portfolios.
  • Transaction fees, custody and other fees are included in the annual management charges but there may be some additional costs associated with the purchase and sale of underlying funds, such as stamp duty.
  • The funds held in your portfolio levy an annual management charge which is separate from the above charges. These are taken directly through adjustments in the pricing mechanism of the funds themselves.

Please click here to find out more details about the fees and charges for this service.

How to apply

Contact an adviser today.

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Need help?

For information about our investments, please contact us.

From within the UK, call:
0800 055 6358

From outside the UK, call:
+44 (0) 1624 641825

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