Saga Investments – portfolio and fund information

Saga Investments is designed to make investing simple. It gives you a choice of three ready-made investment portfolios, each with a different investment objective and level of risk. You just need to choose the one that’s best aligned to your individual circumstances and goals.

The portfolios give you the opportunity to invest in a number of funds that between them hold a wide range of different types of assets like cash, bonds and company shares (or ‘equities’), across UK and international markets.

This diverse range of assets helps spread the investment risk while giving your money the opportunity to grow over time (usually at least five years).

As with any investment, the value of your investments and the income received from them can fall as well as rise. This means you may not get back the amount you invested.

This page contains important information about the investment portfolios and underlying funds. Please read the portfolio factsheets before choosing your portfolio. Please also read the Key Investor Information Documents (KIIDs) for the underlying funds. These are ‘fact sheet’ style documents that tell you everything you need to know about each fund. If you need more support to identify which portfolio will meet your needs, this is not the right service for you.

The saga investment portfolios

Cautious Growth Portfolio

Volatility: Lower                          Potential for long-term growth: Lower

This is the lower risk choice of our three investment portfolios. It aims for cautious growth, with lower volatility. The value of your money will still rise and fall in line with movements in world markets.

This portfolio may be right for you if:

  • you want to grow your money steadily over the medium to long term (at least five years) but are more focused on preventing losses than making large gains, and
  • you’re happy with the idea of smaller ups and downs. Here’s a brief overview of the aims and risks of each of the Saga investment portfolios.

Find out more information about the Cautious Growth Portfolio by reading the Cautious Growth Portfolio fact sheet.

Key Investor Information Documents (KIIDs) for the Cautious Growth Portfolio:

       Risk Level: 3
   Target allocation

Balanced Growth Portfolio

Volatility: Medium                  Potential for long-term growth: Moderate

This is the medium risk choice of our three investment portfolios. It aims for moderate growth, with medium volatility. The value of your money will rise and fall in line with movements in world markets.

This portfolio may be right for you if:

  • you place equal importance on growing your money and managing potential losses over the medium to long term (at least five years), and
  • you’re comfortable seeing ups and downs to try and get good investment returns.

Find out more information about the Balanced Growth Portfolio by reading the Balanced Growth Portfolio fact sheet.

Key Investor Information Documents (KIIDs) for the Balanced Growth Portfolio:

       Risk Level: 5
   Target allocation

Adventurous Growth Portfolio

Volatility: Higher                        Potential for long-term growth: Higher

This is the higher risk choice of our three investment portfolios. It aims for higher medium to long-term growth but is more likely to have higher volatility and a greater risk of loss. The value of your money will rise and fall in line with movements in world markets - and is likely to rise and fall more than with lower risk portfolios.

This portfolio may be right for you if:

  • investment growth over the medium to long term (at least five years) is a priority for you, and
  • you're willing to accept bigger ups and downs to try and achieve high returns.

Find out more information about the Adventurous Growth Portfolio by reading the Adventurous Growth Portfolio fact sheet.

Key Investor Information Documents (KIIDs) for the Adventurous Growth Portfolio:

       Risk Level: 8
   Target allocation