Multi-asset funds are often a popular choice for investors seeking diversification and risk management in one investment product.
Our multi-asset funds combine different types of assets, such as equities, bonds, cash, property, and other alternatives (e.g. private equity), into a single portfolio. The goal is to diversify across asset classes to balance risk and return. By spreading investments, these funds aim to provide smoother performance over time compared to relying on a single asset type.
All of our multi-asset funds aim to deliver returns in excess of inflation as measured by the UK Consumer Price Index (CPI) over the long term. The higher the amount above inflation that a fund aims to achieve, the higher the level of risk they will take to try and achieve that.
Each fund is managed within defined parameters to limit how much (or how little) of an asset class they can hold. The amount invested in each asset class will vary over time in response to the economic and market environment and our expectations of future returns and volatility.
Each fund is also managed against a set of values-based restrictions, that is, the exclusion or not of investments exposed to, for example, tobacco, alcohol, gambling, adult entertainment among others.
Diversification is a key strength of multi-asset funds, however, it can also be a limitation. When one asset class performs exceptionally well, a fund that invests in that one asset class could deliver better results.
Our multi-asset funds
COIF Charities Investment Fund
A long-term multi-asset fund which aims to provide a total return (growth in capital and income) over the long term (defined as five years) of UK CPI + 5% per annum, before costs and charges.
COIF Charities Ethical Investment Fund
A long-term, multi-asset fund which incorporates a wide range of client-driven ethical restrictions. The fund aims to provide a total return (growth in capital and income) over the long term (defined as five years) of UK CPI + 5% per annum, before costs and charges.
Catholic Investment Fund
A long-term, multi-asset fund which adopts a faith consistent investment policy that is designed to reflect the teachings and mission of the Catholic Church. The fund aims to provide a total return (growth in capital and income) over the long term (defined as five years) of UK CPI + 5% per annum, before costs and charges.