MyFolio Funds
For adviser use only
MyFolio Funds are a family of carefully constructed risk-based
portfolios, managed by Standard Life Investments, which
offer you and your clients a choice of investment styles across
five risk levels.
You decide on the most suitable risk profile
and investment style for each client, and select
the appropriate MyFolio Fund or Funds – the
rebalancing and monitoring are all taken care of.
01  Why choose the MyFolio Funds
for your clients?
¬¬ Choice of 25 funds – there are five levels
of risk and three investment styles, as well
as income options, meaning you can meet a
wide range of client needs
¬¬ Ability to create bespoke portfolios –
you can mix MyFolio Funds of the same
risk level to create bespoke portfolios for
your clients
¬¬ Innovative approach to asset
allocation – MyFolio Funds use asset
allocation strategies that you wouldn’t
expect to find in risk-based funds, which
aim to optimise returns for each given
level of risk
¬¬ Consistent risk levels – MyFolio Funds are
rebalanced on an ongoing basis to ensure
they stay in line with their original risk level
¬¬ Availability – MyFolio Funds are available
through all Standard Life platforms and tax
wrappers (excluding stakeholder pensions)
02  Choose a MyFolio Fund style
¬¬ MyFolio Market Funds –
competitively priced portfolios investing
mainly in tracker funds
¬¬ MyFolio Managed Funds –
competitively priced portfolios that invest
mainly in actively managed funds from
Standard Life Investments
¬¬ MyFolio Managed Income Funds* –
competitively priced portfolios investing
mainly in actively managed funds from
Standard Life Investments which focus
on creating income, for example through
equity dividends, bond yields and property
rental income
¬¬ MyFolio Multi-Manager Funds –
portfolios of carefully selected actively
managed funds from some of the leading
managers in the market
¬¬ MyFolio Multi-Manager Income Funds* –
portfolios of carefully selected actively
managed funds from some of the leading
managers in the market which focus on
creating income, for example through
equity dividends, bond yields and property
rental income
*Please note that any income generated
within the insured (life and pension) MyFolio
Managed Income and Multi-Manager
Income Funds will be reinvested rather
than distributed.
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03  And a level of risk
04  An added dimension of control
There are five funds within each MyFolio range,
designed to closely match a different attitude
to risk – I being the lowest risk and V being
the highest.
With the MyFolio Funds, you can mix and match
funds of the same risk level, confident that your
clients’ portfolios will maintain a consistent risk
profile. This gives you the ability to create bespoke
portfolios that you won’t have to rebalance.
I
These options are designed for those who
are conservative with their investments.
They prefer taking a small amount of risk to
achieve modest or relatively stable returns.
They accept there may be some short term
periods of fluctuation in value.
II
These options are designed for those who are
relatively cautious with their investments.
They want to try to achieve a reasonable
return, and are prepared to accept some risk
in doing so. Typically, these funds will exhibit
relatively modest yet frequent fluctuations
in value.
III
These options are designed for those with
a balanced attitude to risk. They don’t seek
risk investments but don’t avoid them either.
They are prepared to accept fluctuations
in the value of their investments to try and
achieve better long term returns. Their
investments may be subject to frequent and
at times significant fluctuations in value.
IV
These options are designed for those who are
relatively comfortable with investment risk.
They aim for higher long term returns and
understand that this can also mean some
sustained periods of poorer performance.
They are prepared to accept significant
fluctuations in value to try and achieve better
long term returns.
V
These options are designed for those who are
very comfortable with investment risk. They
aim for high long term investment returns
and do not overly worry about periods of
poorer performance in the short to medium
term. Ordinarily these funds can be subject
to the full extent and frequency of stock
market fluctuations.
Once you’ve identified the appropriate risk
level and style for your client, the investment
team at Standard Life Investments will manage
the MyFolio Fund to meet that level of risk.
05  Innovative approach to
asset allocation
MyFolio Funds use asset allocation strategies
that you wouldn’t expect to find in most riskbased funds to help optimise returns for the
level of risk selected:
¬¬Standard Life Investments consults with
Moody’s Analytics to identify strategic asset
allocation benchmarks which aim to optimise
returns for each given level of risk
¬¬Commercial property is part of all the MyFolio
Funds, including the tracker-based MyFolio
Market Funds
¬¬Absolute return investment strategies
are used in the MyFolio Managed, MyFolio
Managed Income, MyFolio Multi-Manager and
MyFolio Multi-Manager Income Funds
¬¬In addition, the investment team at
Standard Life Investments provide tactical
asset allocation across all MyFolio Funds,
allowing them to take advantage of shorter
term investment opportunities
06  Monitoring and rebalancing
as standard
To help keep your clients’ investments on track,
rebalancing, monitoring and governance are all
built in to MyFolio Funds:
¬¬Strategic asset allocations are regularly
reviewed to optimise the expected return
of each fund
¬¬The portfolios are rebalanced on an
ongoing basis to maintain the target asset
allocation position
¬¬Tactical asset allocation is continually
monitored to take advantage of shorter term
investment opportunities
¬¬The performance of the underlying funds within
MyFolio Funds is monitored and funds are
replaced where a more appropriate alternative
is found. As with any investment, the value of
your clients fund can go down as well as up and
may be worth less than you invested
¬¬The Fund Solutions team choose the building
block funds, applying a comprehensive
research process to identify the most suitable
active and passive vehicles for each of the
MyFolio ranges of funds
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07  How MyFolio Funds can support your investment process
MyFolio Funds allow you to outsource asset allocation, fund and stock selection, and
ongoing management decisions to investment professionals. This can help you manage
costs and give you more time to focus on your clients’ overall financial planning needs.
Risk assessment
Choice of styles
Asset allocation
Fund selection
Monitoring and
rebalancing
MyFolio
Lookthrough
There’s a choice of five risk levels to suit different client needs.
There’s a choice of three styles – tracker-based (Market), fettered funds of funds (Managed) and
multi-manager funds (Multi-Manager) – as well as income options to suit your preferred approach.
The funds include an extended range of assets, including commercial property and absolute
return strategies.
Our Fund Selection Governance Committee, which includes independent experts, oversees the
fund research process for MyFolio Multi-Manager and MyFolio Multi-Manager Income Funds.
Strategic asset allocations are regularly reviewed and the funds are rebalanced on an
ongoing basis.
The MyFolio Lookthrough tool helps you create personalised reports for your clients,
including the asset class split between growth and defensive investments, details on all
underlying funds, a breakdown of the percentage and value invested in each fund, and total
MyFolio fund holdings.
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08  Availability
MyFolio Funds are available to use with
Standard Life’s Wrap, FundZone mutual fund
platform, International Bond, individual and
workplace pensions (including SIPP, Group
SIPP, Active Money SIPP and Active Money
Personal Pension), Tailored and Capital
Onshore Bonds (Level and Stepped). These
funds are not available on our stakeholder
pensions.
i
You can find more details on availability and
pricing for both mutual and insured MyFolio
Funds in the following documents:
¬¬MyFolio Funds on Wrap –
guide to charges (GEN877W)
¬¬MyFolio Funds on Retail –
guide to charges (GEN877C)
These are available at: www.adviserzone.com
To find out more about MyFolio Funds, speak to
your Standard Life account manager.
Standard Life Savings Limited, provider of the Wrap Platform, is registered in Scotland (SC180203) at Standard Life House,
30 Lothian Road, Edinburgh EH1 2DH.
Standard Life Investments Limited is registered in Scotland (SC123321) at 1 George Street, Edinburgh EH2 2LL.
Standard Life Investments (Mutual Funds) Limited is registered in Scotland (SC123322) at 1 George Street, Edinburgh EH2 2LL.
All of the companies above are authorised and regulated by the Financial Conduct Authority.
Standard Life Assurance Limited is registered in Scotland (SC286833) at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH.
Standard Life Assurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority.
www.standardlife.co.uk
© 2016 Standard Life
Standard Life International dac is authorised and regulated by the Central Bank of Ireland and subject to limited regulation in the UK by
the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on
request. Standard Life International dac is a designated activity company limited by shares. It is registered in Dublin, Ireland (408507)
at 90 St Stephen’s Green, Dublin 2.
www.slinternational.ie
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0816
© 2016 Standard Life
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