In our latest robo performance update, we analyse the performance of eight leading robo advisers which together represent over 95% of UK robo adviser assets today.
For each robo-adviser we looked at three different porfolios, a “mild”, “medium”, and “spicy” portfolio.
Low risk portfolios are like souped-up cash. Cash like but with a few riskier assets in the mix, mainly bonds. Basically, the least risky option.
Medium risk portfolios are roughly half shares and half cash/bonds. Not the riskiest, but has a bit of a kick.
High risk portfolios are in around 100% shares. This is like investing in the top 100 UK shares.
Average returns on £5,000 invested from 1st July 2017 to 31st June 2018
* From 1st July 2017-30th June 2018.
** Returns shown after robo adviser fees. For the FTSE 100 we have used a total return index and subtracted a 0.25% platform fee and 0.06% investment fee.
We’ve looked at the mildest portfolios on offer from 8 of the UK’s robo advisers. These are like ‘souped-up cash’, adding a little spice with just a few shares and bonds. Best for those who want the minimum risk possible or people who aren’t investing with a very long timeframe.
Returns on £5,000 invested from 1st July 2017 to 31st June 2018
Most of these portfolios increased in value over the year, but some have fallen in value. In both scenarios there were some ups and downs along the way. If you had invested £5,000 at the end of the month where the portfolios were at their highest, and taken your money out when they were lowest, then the most you would have lost in one of these ‘mild’ portfolios would have been £101.
We’ve looked at the medium portfolios on offer from 8 of the UK’s robo advisers. These portfolios most closely map to you investing half in cash and bonds, and putting half into UK shares. Best for those who are prepared to take a bit of risk in the hope of better returns. But without anything too dramatic on the journey!
Returns on £5,000 invested from 1st July 2017 to 31st June 2018
All of these portfolios increased in value over the year. However, there were some ups and downs along the way. If you had invested £5,000 at the end of the month where the portfolios were at their highest, and taken your money out when they were lowest, then the most you would have lost in one of these ‘medium’ portfolios would be £216.
We’ve looked at the spiciest portfolios on offer from 8 of the UK’s robo advisers. These portfolios most closely map to you investing your money in the UK stock market. Best for those who want to max returns over a 7 year + timeframe. Who won’t have a hernia if one year goes pear-shaped!
Returns on £5,000 invested from 1st July 2017 to 31st June 2018
All of these portfolios increased in value over the year. However, there were some ups and downs along the way. If you had invested £5,000 at the end of the month where the portfolios were at their highest, and taken your money out when they were lowest, then the most you would have lost in one of these ‘spicy’ portfolios would be £309.
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