With investing, your capital is at risk.

How is your money invested?

The in-house investment team at TPO have designed an original range of portfolios to work for people with different investment goals and attitudes to risk. The portfolios have different proportions of equities and bonds, both of which have a history of producing returns, over periods of five years or more, that are higher than cash. Each contains a diverse mix of funds so that our eggs are not all in one basket and no one holding dominates performance.

Why Investment Champion?

What’s your investment goal?

Your investment goal may determine the level of growth you would like to see from your investment. Our portfolios are designed to deliver a different level of return for a specific level of risk, ranging from cautious to adventurous. So, you may need to be willing to take additional risk to achieve your goals, or alternatively, you may need to take less risk – it’s up to you.

Here are some questions to consider when assessing your attitude:

How have decisions in the past made me feel?

If you have had previous investment experience, remember how you felt at the time. It may be relevant to apply those feelings when selecting your current risk category.

What’s my need or desire to take risks?

If you can be a cautious investor and still achieve your goal, is there any need to take more risk?

How long can my money be invested?

Typically, the longer the period you have to invest, the more time you have to compensate for fluctuations in the market.

Can I invest my money for at least 5 years?

Remember that markets can go down as well as up. The risk that you could get back less than you invest increases the shorter the time period.

If the value of my investment falls, could my standard of living be affected?

No-one wants to be up all night worrying about short-term losses. Investing is for the longer term so ensure that you are happy with the level of risk you are taking on your investment.

What are the risks and the returns?

Much of what affects your investment is outside of your control, however selecting your risk appetite is within your control.

Select a risk category below to read the full description to help you decide.

Very cautious

Minimising loss is the priority. You are only prepared to take very little risk to make cash returns. You accept that your investment will lose value due to inflation. To see the best available cash savings rates click here.

Cautious

Limiting loss is important but you are prepared to take some risk to match or beat cash returns. Relatively small movements up and down in value are acceptable. Losses may occur.

Balanced

Limiting loss is less important to you than making gains and you are prepared to take a moderate amount of risk to achieve growth above cash returns. Frequent movements up and down in value are acceptable. These fluctuations may be significant and relatively large losses may occur.

Dynamic

Making gains is more important to you than limiting loss and you are prepared to take a moderately high amount of risk to achieve higher growth. Frequent movements up and down in value are acceptable. These fluctuations will be significant and sizeable losses may occur.

Adventurous

Making significant gains is a priority and you are prepared to take a high level of risk. Frequent movements up and down in value are acceptable. These fluctuations will be significant and substantial losses may occur.

Speculative

Maximising returns is the priority. The risk of substantial losses and substantial movements up and down in value are acceptable, with the aim of achieving the highest growth possible. Speaking to TPO may be more appropriate for your needs.

Our portfolio design takes account of the market risks you can’t control. We have chosen a passive investment strategy, which allows your money to track various market indices, such as the UK 100, which helps to keep costs down. You just need to decide on your goals and risk appetite, both of which you can control.

Risk appetite	Target growth
Cautious	2.5%
Balanced	3.0%
Dynamic	3.5%
Adventurous	4.0%

Target growth per year better than cash. For more detail on individual portfolios, please read the factsheets. Investing should be part of a long-term savings strategy and whilst money can be withdrawn at any time, investing for less than five years increases the chance that you could get back less than invested.

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What are the different types of investment?

Traditional

Investing the more traditional way. We have created an original range of portfolios made up of well-known providers designed to grow your money.

Because the future of your money matters.

Create my traditional plan

Sustainable

Investing that has a positive impact on society. We have created a range of portfolios that only invest in companies that are socially responsible and treat people and the environment with respect.

Because the future of our planet matters.

Create my sustainable plan

Past performance

The performance graphs below allow you to select a portfolio and see how it compares to different industry indices over the same time period. You can switch between Traditional and Sustainable investment types.

Read our factsheets for more detailed information.

Keeping on track

To allow for movements in the market and to ensure that the blend of assets is adjusted according to your investment choice, your portfolio will be "re-balanced" automatically twice a year on the first working day of the month, in May and November. So, you can be confident that the portfolio always reflects your original investment choice.