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16 November 2021 at 21:04:40
Date:
Past returns are not a reliable indicator of future returns
Your Details
Risk profile:
5
(N/A)
Return period:
31 December 2020
to
31 December 2021
Net return:
5
%
Portfolio value:
(
31 December 2021
):
£
50
Report
​Over the 3 years to , the return of your portfolio was ​ (after all fees). Your portfolio is comparable to our ​Arran Risk Profile portfolio which returned over the same period. ​The Arran Risk Profile portfolio beat the return of your current portfolio by
points.
31 December 2020
0%
0
0%
0
0
5
The result of using the Arran Risk Profile portfolio would have been to increase the value of your portfolio by . This is shown in the table below.
£0
Comparison for the 3-years ending
31 December 2020
Current portfolio | Arran Risk Profile | |
|---|---|---|
5
Difference |
|---|
Improving the net return of your portfolio, even by a small amount, can improve the long-term outcome of your investments significantly.
To illustrate this, we have prepared an example using an investment portfolio with a starting value of
£0
and assumed that future net returns are
4%
p.a. in the initial scenario.
We have then considered Scenario A, where net returns can be increased to
5%
p.a. by switching
to a more effective manager. Finally, we have illustrated Scenario B, where net returns are
6%
p.a.
The table below shows the result after 10 years.
Illustration of investment value using different return assumptions
Initial scenario | Scenario A | Scenario B | |
|---|---|---|---|
As you can see, improving the annual return by just one percentage point would increase the value of the portfolio (compared to the initial scenario) by
£0
after 10 years. If the annual
return could be improved by two
percentage points, this would increase the value of the portfolio by
£0
after 10 years. This is also shown in the chart below.
This information is not advice and you should seek financial advice before making any decision based upon this information.
Disclosures
Currency: British Pound. Arran returns are shown net of fees. This includes the following items.
• The ongoing charges of the underlying assets.
• The investment platform fee. This was 0.50% p.a. until 30/11/19, 0.35% p.a. until 31/12/22 and 0.25% p.a. thereafter.
• The Arran annual management fee of 0.36%.
The illustration does not consider the impact of inflation. Inflation tends to reduce the value of money over time.
Arran Investment Management is a registered trade mark of Clarity Advice & Management Ltd. ClarityAM is a registered trade mark of Clarity Advice & Management Ltd.
The information contained in this document does not constitute advice. It is not a personal recommendation. It is not a recommendation for any product.
Past returns are not a guide to future returns. The value of investments can go down as well as up. The income from investments may decrease. You may not get back the original amount invested. Switching your investment manager may not improve investment returns.
Return information assumes that the investments are held in an ISA with no exit fees or potential for bonus. Return information assumes that no tax is payable. Your personal tax situation may reduce your returns from those shown. The tax you pay depends on your individual circumstances and tax law. Tax law may be subject to change in the future.
If your current risk profile is more risky than our highest risk investment strategy (Arran Risk Profile 10), then using this tool will lead to inaccurate results.
This document is for information only. This document’s information comes from reliable sources. No representation or warranty is made as to its accuracy, completeness or correctness.
This document is being issued by Clarity Advice & Management Ltd. Clarity Advice & Management Ltd. is authorised and regulated by the Financial Conduct Authority. For further information please contact us at service@clarityam.com.
ClarityAM can check if switching to our solution is suitable for you. Only if you decide to switch your portfolio do you pay a one-time switching fee of £500.
​
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