![]() ![]() ![]() This includes large companies thought to be more stable, like pharmaceutical group GlaxoSmithKline and consumer goods company Reckitt Benckiser. They mainly focus on the shares of high-quality companies, government bonds and cash. ![]() To achieve this, the team keep things simple. It might sound obvious, but it's harder than it sounds. If you don't lose money during the tough times, it's easier to make it again when markets rise. And they’ve managed funds using the same philosophy for many years. Tony Cousins and the team at Pyrford think the best way to make money is to not lose it in the first place. We think they'll do a good job for investors over the long run.įind out more about this fund, including charges Pyrford Global Total Return There's a good team of research analysts behind this fund. The managers also use derivatives which can help control the impact of the performance of certain assets though they can also increase risk. We think this approach makes the fund a good option for a more conservative portfolio, or to provide diversification to one with more invested in shares. The managers change how much is invested in each layer depending on how confident they’re feeling about future market returns. The other layer invests in things like government bonds, gold and cash, which could help preserve wealth when stock markets fall. Shares in companies based in countries from the UK and US, to Europe and Japan, are held in the fund as well as some in emerging markets which adds risk. One makes most of the return by investing in riskier investments like shares and high-yielding bonds. The fund's managers have lots of flexibility and pick different types of investments from across the globe. The overall aim of this fund is to provide some long-term growth, as well as some shelter when markets have a hard time. Our investment analyst Kate Marshall looks at two of our favourites in more detail below. While they try to protect the value of your investments it can mean the funds don’t grow as quickly when markets are performing well. ![]() These funds invest in different areas and their managers use different techniques to try and minimise the impact of falling markets. Hargreaves Lansdown Multi-Manager funds are managed by our sister company HL Fund Managers Ltd. You should choose where to invest based on your own goals and circumstances. This is for your interest only and shouldn’t be taken as personal advice on where to invest. In this case, investors might put some of their money in investments that try to defend against big falls in value.īelow we list the most popular defensive funds among our drawdown investors (measured by value of investments held as at 31 December 2018, and listed in alphabetical order). Ultimately this could result in your pension running out while you still need it. You won’t be giving your investments the chance to recover. If you want to take an income from your investments, but the dividends and interest aren’t enough, then you might think about selling some investments to bridge the gap.įunding your withdrawals like this can worsen any losses though, especially after market falls. You could get back less than you invest.ĭrawdown investment ideas Defending against market falls Remember all investments, including the income they make, can fall as well as rise in value. Drawdown puts you in control of the money in your pension – you choose your investments and how much income to take (if any).Ĭhoosing investments that have similar aims to your own, and complement your withdrawal strategy, can increase the chances of achieving your goals. ![]()
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