All MIP Fact Sheets - Embark - December 2021

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December 2021

Cautious Managed Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 20% - 60% Shares sector average 31/10/2020

Objective To provide capital growth over the medium to long term, mainly through income producing funds, making it suitable for those looking to make regular withdrawals, and with a focus on lower cost investments.

2.41% 0.33% Nil 0.10% 2+

Strategy The portfolio has been constructed so that asset allocation is in line with the investment restrictions of the IA Mixed Investment 20% - 60% Shares sector. The portfolio invests in equity, fixed interest, property and multi-asset funds, with a focus on lower cost options, where appropriate, but not at the expense of flexibility or an increase in internal risk.

5 Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-5

-10

Portfolio pre-launch

IA Mixed Investment 20% - 60% Shares

Portfolio since launch

Performance is calculated assuming all income is reinvested and is net of underlying fund charges but gross of Lowes’ investment management charge, platform charges and any ongoing advice fees. Deduction of these will have the result of reducing the illustrated performance. Please refer to your investment adviser or investment administrator for details.

Discrete performance (%)

Cumulative performance (%)

From

Portfolio

Sector

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

9.68 -1.04 13.93 -4.63 8.24

7.20 3.51 11.84 -5.10

1 Year

9.68

7.20

3 Years 5 Years

23.65 27.65

24.10 26.20

7.16

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 31/10/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any chnages made during that time,

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

ASI Global Real Estate

IA Property Other

7.5

Baillie Gifford High Yield Bond

IA Sterling High Yield

7.5

HSBC FTSE 250 Index

IA UK All Companies IA UK All Companies

7.5

HSBC FTSE All Share Index L&G Fixed Interest Trust L&G Multi-Index Income 4

12.5

IA Sterling Corporate Bond

7.5

IA Volatility Managed

L&G Short Dated Sterling Corporate Bond Index

IA Sterling Corporate Bond

5.0

L&G UK Property Feeder

IA UK Direct Property IA UK Equity Income

7.5

Vanguard FTSE UK Equity Income Index Vanguard LifeStrategy 40% Equity Vanguard UK Investment Grade Bond Index

12.5 12.5

IA Mixed Investment 20-60% Shares

IA Sterling Corporate Bond

5.0 100%

Asset Allocation

Geographical Weighting

(%)

59.99 10.37 12.40

Emerging Markets 3.08

Equities

43.73 39.80 14.03

Undisclosed 0.00

North American

Cash*

1.76 6.11

Fixed Interest

Cash Other

1.67 0.77

Europe Japan

International

Property

1.26 3.67

Undisclosed 0.00

Alternative Investment Strategies

0.00

Asia Pacific

Other

1.22

NB: Figures might not add up to 100% due to rounding

Latin America

0.14

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

The portfolio is managed on a discretionary basis therefore the investment manager may make changes to the investments held without notice. Investors are agreeing to the investment model as recommended by an Adviser and may not be investing into the specific assets included in this factsheet. The factsheet will be updated and made available as soon as is practicable following a change made by the investment manager. Past performance is not a guide to future performance. The value of investments and any income from them can fall as well as rise and are not guaranteed, so you may get back less than you invested. If you invest in currencies other than your own, fluctuations in currency value will mean that the value of your investment will move independently of the underlying asset. Consideration should be given to whether it is felt that the outcome of any risk assessment is accurate and advice should be sought for factors such as investment objectives, the investment term, attitude to risk, capacity for investment loss and the level of inflation. This illustrative document is intended for investors where advice has been given by Advisers. Models are prepared in accordance with the stated objective and not client circumstances. Information from given sources is taken to be reliable and accurate, which Lowes Investment Management Ltd cannot warrant for accuracy or completeness. Lowes Investment Management is authorised and regulated by the Financial Conduct Authority (192938).

December 2021

Changing World Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Global Sector average 30/09/2020

Objective To provide capital growth over the long term by investing in funds which take exposure to what are perceived to be global megatrends.

0.09% 0.92% Nil 0.10% 4

Strategy The portfolio has been constructed to invest in funds with exposure to themes that are perceived to be major trends which will shape the world in the future. These are trends which will be driven by demographics, technology, the environment and social behaviour. The portfolio will therefore contain exposure to themes such as technology, alternative energy, food supply, water supply, biotechnology and healthcare, along with companies that offer significant growth prospects, with an emphasis on companies operating in industries with potential for structural change and innovation.

160

140

120

100

Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-20

Portfolio pre-launch

IA Global

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio

Sector

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

8.78

17.68 15.27 21.92 -5.72 14.02

1 Year

8.78

17.68

39.23 26.03 -1.93 19.87

3 Years 5 Years

90.89 124.40

65.39 77.80

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 30/09/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any chnages made during that time,

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

AXA Framlington Biotech

IA Specialist

7.5

AXA Framlington Global Thematics Baillie Gifford Global Discovery

IA Global IA Global IA Global

12.5

Guinness Global Innovators

Guinness Sustainable Energy

Commodity & Energy

7.5

Jupiter Ecology

IA Global

7.5

Pictet Global Megatrend Selection Polar Capital Global Technology Polar Capital Healthcare Blue Chip

Equity - International

15 15

Equity - Tech Media & Telecom

IA Specialist

7.5

Sarasin Food & Agriculture Opportunities

IA Specialist

7.5 100%

Asset Allocation

Geographical Weighting

(%)

(%) 4.98

(%)

Emerging Markets 3.37

Equities

89.13 0.00 0.09

Undisclosed 0.00

North American

55.72 11.90

Cash*

3.00 0.00

Fixed Interest

Cash Other

3.73 7.05

Europe Japan

International

Property

1.46 4.45

Undisclosed 15.00

Alternative Investment Strategies

0.00

Asia Pacific

Other

0.12

NB: Figures might not add up to 100% due to rounding

Latin America

0.00

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Defensive Growth Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Targeted Absolute Return Sector average 31/10/2020

Objective To protect capital values against the effects of inflation over the medium to long term, whilst minimising the effects of market downturns.

1.40% 0.75% Nil 0.10% 2

Strategy The portfolio is constructed so that at least sixty percent will be allocated to Targeted Absolute Return funds which seek to generate positive returns in all market conditions with significantly less volatility than equities. This means that these strategies can include a greater use of derivative based strategies by the underlying fund managers. The remainder of the portfolio will include an allocation to funds from other Investment Association (IA) sectors where it is believed that they contribute to the overall portfolio objective.

Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-5

Portfolio pre-launch

IA Targeted Absolute Return

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio

Sector

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

3.90 3.27 7.48 -2.85

3.53 2.59 4.38 -2.81 3.39

1 Year

3.90 15.32 16.97

3.53 10.87 11.40

3 Years 5 Years

4.41

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Artemis Target Return Bond BNY Mellon Real Return

IA Targeted Absolute Return IA Targeted Absolute Return IA Targeted Absolute Return

12.5

Janus Henderson Multi Asset Absolute Return

Janus Henderson Absolute Return

IA Targeted Absolute Return

M&G Episode Allocation

IA Mixed Investment 20-60% Shares IA Mixed Investment 0-35% Shares

12.5

Ninety One Diversified Income

Rathbone Total Return Portfolio Threadneedle Dynamic Real Return

IA Volatility Managed

IA Targeted Absolute Return IA Targeted Absolute Return

12.5

Vontobel TwentyFour Absolute Return Credit

12.5 100%

Asset Allocation

Geographical Weighting

(%)

17.42 11.80 12.43 1.25 4.67

Emerging Markets 2.54

Equities

28.87 44.95

Undisclosed 0.00

North American

Cash*

5.00

Fixed Interest

Cash Other

14.38

Europe Japan

International

1.12

Property

3.12

5.10

Undisclosed 32.50

Alternative Investment Strategies

3.58

Asia Pacific

Other

10.39

NB: Figures might not add up to 100% due to rounding

Latin America

0.88

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Ethical RL2 Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 20% - 60% Shares sector average 31/10/2020

Objective To provide capital growth by investing in a diversified portfolio of funds classified as investing with an ethical outlook.

2.25% 0.67% Nil 0.10% 2+

Strategy The portfolio utilises funds investing both in equities and/or fixed interest assets. The funds used all meet strict ethical and socially responsible criteria and mainly do this by excluding investment in certain sectors and industries. In order to meet the desired Risk Level, the portfolio is constructed to meet the IA’s guidelines for a Mixed Investment 20% - 60% Shares fund.

Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-5

-10

Portfolio pre-launch

IA Mixed Investment 20% - 60% Shares

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio

Sector

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

4.22 6.42 16.21 -5.34

7.20 3.51 11.84 -5.10

1 Year

4.22

7.20

3 Years 5 Years

28.88 33.72

24.10 26.20

9.61

7.16

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Aegon Ethical Equity

IA UK All Companies

7.5

ASI Ethical Corporate Bond BMO Responsible UK Income

IA Sterling Corporate Bond

17.5 8.5 16.5

IA UK Equity Income

Edentree Responsible and Sustainable Sterling Bond

IA Sterling Corporate Bond

Jupiter Ecology

IA Global

7.5

Liontrust UK Ethical Rathbone Ethical Bond Royal London Ethical Bond

IA UK All Companies

7.5

IA Sterling Corporate Bond IA Sterling Strategic Bond

17.5

17.5 100%

Asset Allocation

Geographical Weighting

(%)

63.81 4.90 9.69 0.82

Emerging Markets 0.00

Equities

34.46 47.62

Undisclosed 0.00

North American

Cash*

2.57 0.66

Fixed Interest

Cash Other

2.58 13.04

Europe Japan

International

Property

2.30

Undisclosed 16.21

Alternative Investment Strategies

0.00

Asia Pacific

1.00

Other

0.09

NB: Figures might not add up to 100% due to rounding

Latin America

0.25

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Ethical RL3 Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 40% - 85% Shares sector average 31/10/2020

Objective To provide capital growth by investing in a diversified portfolio of funds classified as investing with an ethical outlook.

1.69% 0.74% Nil 0.10% 3

Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-10

Portfolio pre-launch

IA Mixed Investment 40% - 85% Shares

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio

Sector

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

11.45 3.96

10.94 5.32 15.78 -6.11 9.98

1 Year

11.45

10.94 35.29 39.69

3 Years 5 Years

42.28 48.03

22.80 -8.27 13.43

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Aegon Ethical Equity

IA UK All Companies

ASI Ethical Corporate Bond

IA Sterling Corporate Bond

9.50

ASI Global Ethical Equity

IA Global

BMO Responsible UK Income

IA UK Equity Income

14 13 13

Jupiter Ecology

IA Global

Liontrust UK Ethical Rathbone Ethical Bond

IA UK All Companies

IA Sterling Corporate Bond

9.75

Royal London Ethical Bond

IA Sterling Strategic Bond

9.75

Unicorn UK Ethical Income

IA UK Equity Income

9 100%

Asset Allocation

Geographical Weighting

(%)

62.22

Emerging Markets 0.00

Equities

68.27 19.75

Undisclosed 0.00

North American

10.73 10.10 1.60 2.52

Cash*

2.90 0.05

Fixed Interest

Cash Other

3.00 7.63

Europe Japan

International

Property

1.35

Undisclosed 9.50

Alternative Investment Strategies

0.00

Asia Pacific

Other

0.07

NB: Figures might not add up to 100% due to rounding

Latin America

0.31

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Global Select Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Global Sector average 30/11/2020

Objective To provide capital growth over the medium to long term through a diversified portfolio of funds investing in global equities.

0.42% 0.80% Nil 0.10% 3+

Strategy Investing only in equities, the portfolio is designed to maintain a global exposure and focusses on funds whose remit is to invest in areas of the world’s equity markets which, although possibly more volatile, we believe offer the prospect of higher long term capital growth. In line with the desire to maintain a balance of investments around the globe, UK equities will usually represent at most 20% of the portfolio.

0 Percentage Growth

12/2019

02/2020

04/2020

06/2020

08/2020

10/2020

12/2020 02/2021

04/2021

06/2021

08/2021

10/2021

12/2021

-10

-20

-30

Portfolio pre-launch

IA Global

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

11.82 16.93 20.39

17.68 15.27 21.92 -5.72 14.02

1 Year

11.82 57.41

17.68

3 Years 5 Years

65.39 77.80

N/A

N/A N/A

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 30/11/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any changes made during that time.

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Artemis US Smaller Companies

IA North American Smaller Companies IA Global Emerging Markets IA Japanese Smaller Companies

Baillie Gifford Emerging Markets Growth Baillie Gifford Japanese Smaller Companies

8.75

Dodge & Cox US Stock

IA North America

FSSA Asia Focus FSSA Japan Focus

IA Asia Pacific Excluding Japan

IA Japan IA Global

7.5

GS Global CORE Equity Portfolio

6.25 6.25 6.25

Janus Henderson European Smaller Companies

IA European Smaller Companies

Jupiter European

IA Europe Excluding UK

Jupiter Gold And Silver Jupiter Merian Asia Pacific Liontrust Special Situations Lowes UK Defined Strategy Man GLG Japan Core Alpha

IA Specialist

4 5 3 2 5 2 3

IA Asia Pacific Excluding Japan

IA UK All Companies

FO Mixed Asset - Flexible

IA Japan

Schroder Recovery SVM UK Growth

IA UK All Companies IA UK All Companies

Threadneedle American Extended Alpha

IA North America

12 100%

Asset Allocation

Geographical Weighting

(%)

(%) 7.66 31.13 13.20 18.10 19.39

(%)

Equities

95.53

Undisclosed

2.00

Emerging Markets

0.00 1.55

Fixed Interest

0.00 0.00

Cash Other

1.57

North American

Cash*

Property

0.90

Europe Japan

International Undisclosed

1.79

Alternative Investment Strategies

6.00

0.00

Asia Pacific

Other

0.14

NB: Figures might not add up to 100% due to rounding

Latin America

1.04

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Mixed Investments 0%-35% Shares Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 0% - 35% Shares sector average 30/11/2020

Objective To provide a total return over the medium to long term, mainly through income generation, which is sufficient to provide some capital growth, after inflation, but with a focus on keeping a low level of volatility.

2.74% 0.70% Nil 0.10% 2+

Strategy The portfolio invests in a diversified range of funds across multiple asset classes, such as equities, fixed interest and direct commercial property. Investing in line with the parameters of the Investment Association Mixed Investment 0% - 35% Shares sector, this portfolio will never have more than 35% of its assets invested in equity funds and will also tend to have a bias towards the UK to reduce the effects of currency fluctuations. The lower equity content will hopefully reduce the volatility exhibited by this portfolio in all but the most extreme market conditions, but still produce sufficient returns to protect capital against the effects of inflation in the medium to long term.

10 Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-5

Portfolio pre-launch

IA Mixed Investment 0% - 35% Shares

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

5.15 4.61

2.84 3.90 8.70 -3.35 4.84

1 Year

5.15

2.84 16.14 17.69

3 Years 5 Years

23.80 30.79

12.54 -2.45

8.31

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 30/11/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any changes made during that time.

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Artemis Income

IA UK Equity Income

7.5

Artemis Strategic Bond ASI Global Real Estate

IA Sterling Strategic Bond

IA Property Other

2.5

Invesco Monthly Income Plus Janus Henderson Strategic Bond

IA Sterling Strategic Bond IA Sterling Strategic Bond

7 8

L&G Multi-Index 3

IA Volatility Managed IA UK Direct Property IA UK Equity Income

L&G UK Property Feeder

2.5 7.5

Man GLG Income

Merian Corporate Bond

IA Sterling Corporate Bond IA Sterling Strategic Bond

5 8 8 6 4 9

Nomura Global Dynamic Bond (Hedged)

Royal London Sustainable Managed Growth Trust

IA Mixed Investment 0-35% Shares

Schroder Sterling Corporate Bond

IA Sterling Corporate Bond IA Targeted Absolute Return

Tellworth UK Select

Threadneedle Global Multi Asset Income

IA Mixed Investment 20-60% Shares

TwentyFour Dynamic Bond

IA Sterling Strategic Bond

8 100%

Geographical Weighting

Asset Allocation

(%)

(%) 0.00 5.67

(%)

(%) 0.75 10.68 4.42 9.00 3.88

Equities

27.56 59.48

Undisclosed

43.31 11.02 14.41 0.56

Emerging Markets

Fixed Interest

Cash Other

North American

Cash*

Property

5.91

1.34

Europe Japan

International Undisclosed

Alternative Investment Strategies

0.04

Asia Pacific

1.36 0.61

Other

NB: Figures might not add up to 100% due to rounding

Latin America

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Mixed Investments 20% - 60% Shares Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 20% - 60% Shares sector average 30/11/2020

Objective To provide a total return from a combination of income and some capital growth over the medium to long term, sufficient to allow a low level of income to be taken whilst protecting capital against the effects of inflation.

2.62% 0.74% Nil 0.10% 2+

Strategy The portfolio invests in a diversified range of funds across multiple asset classes, such as equities, fixed interest and direct commercial property. Investing in line with the parameters of the Investment Association Mixed Investment 20% - 60% Shares sector, this portfolio will always have at least 20% of its assets invested in equity funds but never more than 60%. The slightly higher equity content should provide for some capital growth even when taking a modest level of income, whilst the balanced nature of the different asset classes should provide a lower level of volatility compared to portfolios with a higher equity content.

Percentage Growth

12/2017 03/2018 06/2018 09/2018 12/2018 03/2019 06/2019 09/2019 12/2019 03/2020 06/2020 09/2020 12/2020 03/2021 06/2021 09/2021 12/2021

-5

-10

-15

Portfolio pre-launch

IA Mixed Investment 20% - 60% Shares

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

9.00 2.20 14.25

7.20 3.51 11.84 -5.10

1 Year

9.00 27.27

7.20

3 Years 5 Years

24.10 26.20

N/A

-3.11 N/A

7.16

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 30/11/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any changes made during that time.

Portfolio breakdown as at 31 December 2021

Fund

Sector

Allocation (%)

Artemis Income

IA UK Equity Income

6.5

ASI Global Real Estate

IA Property Other

GAM Star Credit Opportunities

IA Sterling Strategic Bond IA Sterling Corporate Bond IA Sterling Strategic Bond

2.5

Invesco Corporate Bond

3 4

Janus Henderson Strategic Bond

L&G Multi-Index 4

IA Volatility Managed

8.5

L&G Short Dated Sterling Corporate Bond Index

IA Sterling Corporate Bond

5 5

L&G UK Property Feeder

IA UK Direct Property

Liontrust Sustainable Future Defensive Managed

IA Mixed Investment 20-60% Shares

7.5 3.5 6.5 4.5

M&G Global Dividend

IA Global

Man GLG Income

IA UK Equity Income

Nomura Global Dynamic Bond (Hedged)

IA Sterling Strategic Bond

Rathbone Income Fund

IA UK Equity Income IA UK Equity Income

Royal London UK Equity Income Schroder Sterling Corporate Bond

5.5

IA Sterling Corporate Bond IA Global Equity Income IA Targeted Absolute Return

8 3 4 8

TB Evenlode Global Income

Tellworth UK Select

Threadneedle Global Multi Asset Income

IA Mixed Investment 20-60% Shares

TwentyFour Dynamic Bond

IA Sterling Strategic Bond

4 100%

Geographical Weighting

Asset Allocation

(%)

(%) 0.00

(%)

(%) 0.81 7.53 3.61 8.00 3.75

Equities

44.73 38.78 10.33

Undisclosed

48.50 10.92 13.32

Emerging Markets

Fixed Interest

Cash Other

4.71 1.43

North American

Cash*

Property

Europe Japan

International Undisclosed

Alternative Investment Strategies

0.91 2.29 0.36

0.02

Asia Pacific

Other

NB: Figures might not add up to 100% due to rounding

Latin America

*Not all funds declare their cash holdings separately as part of their geographical weightings, so this figure may differ from the asset allocation.

Important

December 2021

Mixed Investments 40% - 85% Shares Portfolio

Performance Comparator: Launch Date: Expected yield: Portfolio OCF: Initial Fee: Management Fee: Lowes Risk Level:

IA Mixed Investment 40% - 85% Shares sector average 30/11/2020

Objective To provide a combination of both income and capital growth over the medium to long term.

1.78% 0.75% Nil 0.10% 3-

Strategy The portfolio invests in a diversified range of funds across multiple asset classes, such as equities, fixed interest and direct commercial property. Investing in line with the parameters of the Investment Association Mixed Investment 40% - 85% Shares sector, this portfolio will always have at least 40% of its assets invested in equity funds but never more than 85%. Usually having the majority of its assets invested in equities, this portfolio should provide capital growth as well as allowing a certain level of income to be taken. Whilst exhibiting more volatility than the portfolios with a lower equity exposure, this portfolio would still hopefully provide some protection compared to a pure equity portfolio in a falling market.

20 Percentage Growth

12/2016

06/2017

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

-10

Portfolio pre-launch

IA Mixed Investment 40% - 85% Shares

Portfolio since launch

Discrete performance (%)

Cumulative performance (%)

From

Portfolio Sector

31/12/2020 31/12/2019 31/12/2018 31/12/2017 31/12/2016

31/12/2021 31/12/2020 31/12/2019 31/12/2018 31/12/2017

9.81

10.94 5.32 15.78 -6.11 9.98

1 Year

9.81

10.94 35.29 39.69

10.06 17.32 -3.05 13.35

3 Years 5 Years

41.78

55.80

¹ This historic information is not representative of individual client account performance and is provided for illustrative purposes only. Past performance to the launch date of this portfolio on 30/11/2020 is referenced against the actual performance of the constituent funds in the portfolio. Performance since the launch date represents the actual performance of the portfolio including any changes made during that time.

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