Balanced Growth Fund

The potential for greater returns, when compared to more cautious investments. However, you should also be prepared to see wider fluctuations in the value of your investment.

• An easy start – begin investing with as little as £1,000.
• Expert management – your money is looked after by a team of specialist fund managers, overseen by Close Investments working together with our Investment Manager, Aviva Investors.
  More about our experts.
• Keep investing – make regular monthly investments from £50.

You have to pay tax on most investments. But this fund can be used to make a tax efficient investment up to a value of £7,200 this tax year. Read our ISAs made easy guide.

Prepare for your future – call to make an appointment with one of our Financial Planning Managers on 0800 051 1868.

How do you decide on the right type of investment, the right fund manager and the right balance of assets?

Our Expert Managed Solutions funds do the hard work - and track investment performance.

So if you're looking for a hands-off investment, but with the reassurance of on-going monitoring, this could be the choice for you.

With a multi-manager approach a range of specialist fund managers look after your money.

This is designed to smooth out your returns, with the aim of minimising the potential ups and downs of the stock market.

Aviva Investors use their expertise to select the right split of assets, managing this allocation across the funds.

Aviva Investors are experts in taking advantage of dynamic market opportunities and forecasts to meet investment objectives. This is particularly important in a turbulent economic climate.

Close Investments monitor the fund managers (all except Aviva Investors in their capacity as manager of the property and cash funds). Close also monitor each fund manager’s performance against targets.

• I want to invest in the stockmarket, but I'm cautious about the risks. Could the Expert Managed Solutions funds be good for me?
• Do the Expert Managed Solutions funds perform even though they aim to reduce risk by holding a variety of assets?
• Can I get easy access to my money?

Yes they could. These funds are able to invest in a variety of assets from different fund managers, so they don't rely on just one investment or one manager performing well.

This means that, compared to conventional managed funds, the fluctuation in value of your money is potentially reduced. It also means that in turbulent markets, you are not exposed to one particular sector which may not be performing well.

In addition, with our range of funds, you have a choice about the level of risk you want to take.

These funds give you access to some of the best performing fund managers.

You can also be reassured that Close Investments, the independent fund manager researcher, will be monitoring the performance of the chosen fund managers carefully and has the ability to replace those managers who do not perform.

Yes you can. Your investment is not tied up for a minimum length of time, so you can access your money whenever you need it. However, our funds are stockmarket based investments and as such we recommend they are held for at least five years.

Provided by RBS Collective Investment Funds Ltd. Expert Managed Solutions invests in stocks and shares and you should be aware that the value of your investments and the income from them can go down as well as up and you may not get back the original amount of your investment.