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Discovering your level,
Finding your path
The goal of TRAILS™ Ethical – (Tandem Risk-Assessed Investment Levels) is to give you the opportunity to invest your monies in a socially responsible way, where the main emphases are sustainability, consumer protection, social justice, reduced environmental impact and improved human rights. It allows you to invest your capital into companies that seek to combat climate change, environmental destruction, social and racial inequality through improved corporate practices and governance.
Seven of our nation’s favourite herbs symbolise the different ‘model’ portfolios that have been devised with asset allocations that offer specific levels of risk and potential return.
The question is…
Which one of these is yours?
Scroll down and start your journey
Trail 1: Chives
20% equities and 80% bonds
Sensitive to short-term losses, but still aims to beat inflation over the long run. You are not comfortable with volatility within your portfolio and you are keen to keep risk to a minimum.
Trail 2: Rosemary
34% equities and 66% bonds
Still sensitive to short term losses, but with a likely goal of beating inflation over the long run. You seek growth in the real value of your assets over the long term but while minimising risk.
Trail 3: Parsley
50% equities and 50% bonds
Less sensitive to short-term losses, you are willing to take on slightly more risk than a cautious investor in order to increase expected return, although risk and volatility are still important considerations.
Trail 4: Mint
60% equities and 40% bonds
Willing to accept more risk than a conservative investor, but you are probably not willing to accept the short-term downside risk associated with achieving a long-term return dramatically above the inflation rate.
Trail 5: Sage
70% equities and 30% bonds
Comfortable with more risk than a moderate investor, but you are not comfortable with the short-term risk associated with achieving a long-term return dramatically above the inflation rate. You think of risk more as an opportunity than uncertainty.
Trail 6: Basil
80% equities and 20% bonds
Seeking to maximise long-term returns rather than minimise short-term losses. You are more concerned with the potential of financial return than with short-term volatility but you wish to retain some marginal protection against downside risk.
Trail 7: Thyme
100% equities and 0% bonds
Focused on maximising long-term expected returns rather than minimising possible short-term losses. You understand there is no marginal protection against capital risk, since 100% of the investments are in growth assets but you are willing to accept these risks to achieve the best possible return.
As you can see here, each of the seven TRAILS™ Ethical portfolios has a different equity-to-bond-ratio, which reflects a different investment ‘personality’.
So, Chives (Trail1) is effectively 20% equities and 80% bonds, whereas Thyme (Trail 7) is effectively 100% equities and 0% bonds.
Speak to a member of our team on 01438 879262
Discover how we can give you peace of mind, through organising your finances and helping you to achieve your goals.
Past performance is not necessarily a guide to future performance. Changes in exchange rates may also cause an investment to fluctuate in value. Levels of taxations depend on an investor’s individual circumstances and the value of any applicable tax reliefs. The value of investments and the income arising from them, can go down as well as up, and are not guaranteed, which means that an investor may get back less than they invested.
If you have any questions related to your investments or the suitability or appropriateness for you of anything described in this website, please contact an adviser at Tandem Financial Ltd. This website is designed only for use by, and is directed only at, people resident in the UK. The information in this website does not constitute legal, tax or investment advice. You must not, therefore, rely on the content of this website when making investment decisions.