HL MULTI-INDEX MODERATELY ADVENTUROUS

The HL Multi Index Moderately Adventurous fund is the second highest risk of the range. On a scale of one to ten, if investing entirely in global shares is a ten, this fund would receive a rating of eight.

HL Multi-Index Moderately Adventurous

Risk rating (8/10)

Compared to:

HL Growth Fund (Default investment Fund)

Risk rating (8.5/10)

How does HL HL Multi-Index Moderately work?

The fund mainly invests in global company shares including higher risk emerging market shares and has some exposure to bonds as well. Bonds help to spread the risk of investing in the stock market, and this fund holds a mix of lower and higher risk bonds. We do this to deliver the highest growth potential possible while maintaining a moderately adventurous approach to risk.

Our experts will choose the split between shares and bonds to keep the fund on track, as well as deciding how to invest the money within each investment type.

The fund is expected to capture around 80% of the ups and downs of the stock market, although there are no guarantees. View the HL Multi-Index Moderately Adventurous factsheet Download HL Multi-Index Moderately Adventurous Key Investor Information Document

Expected returns

We forecast a full range of outcomes for markets, allowing us to calculate the most likely potential returns for this fund, as well as good and bad outcomes. The potential outcomes you could expect from this investment are based on you investing £10,000 as a lump sum for 10 years:

HL Multi-Index Moderately Adventurous

Bad outcome
Average outcome
Good outcome
£11,091.80
£18,989.82
£26,817.57

Compared to:

HL Growth Fund (Default investment fund)

Bad outcome
Average outcome
Good outcome
£11,171.50
£19,716.15
£28,176.94

Where does HL Multi-Index Balanced invest?

Equities

Developed Markets
67.10%
Emerging Markets
12.80%

Fixed Income

Global Corporate Bonds
12.00%
Government Bonds
4.00%
Higher Risk Bonds
4.00%
Seeking Growth
84.0%
Seeking Stability
16.0%

Equities

UK Equity
11.8%
Developed Ex UK Equity
55.4%
Emerging Market Equity
12.8%
Global Smaller Companies
0.0%

Fixed Income

Global Corporate Bonds
12.0%
Global Sovereign Bonds
2.0%
Global Inflation Linked Government Bonds
2.0%
Global High Yield
2.0%
EM Sovereign Bonds ($)
0.7%
EM Sovereign Bonds LC
0.7%
EM Corporate Bonds ($)
0.7%

Charges

Yearly charge based on an example £1,000 investment and a maximum HL platform fee of 0.45% and assuming no growth.

HL Multi-Index Moderately Adventurous

Fund charge (0.30%)
HL platform fee (0.45%)
Total annual charge (0.75%)
£ 3.00
£ 4.50
£ 7.50

Compared to:

HL Growth Fund (Default investment fund)

Fund charge (0.10%)
HL platform fee (0.45%)
Total annual charge (0.55%)
£ 1.00
£ 4.50
£ 5.50

See how the costs will affect your investment in detail

The fund charge is taken automatically from the funds within your pension. It includes all fund expenses but transactions within the funds can have additional costs. These costs are incurred by all funds when investments within them are bought or sold. All these costs are reflected in fund charges.

The HL platform fee covers the automatic changing of funds within your pension when needed and the cost of looking after your investments. This won’t exceed 0.45% per year and is taken from your pension once a month.

The funds are administered by Hargreaves Lansdown Asset Management Ltd and the underlying funds are managed by Hargreaves Lansdown Fund Managers Ltd, both part of the Hargreaves Lansdown Group. If you invest, HL will benefit from the fund charge, as well as the HL platform fee.