Lowes MPS Fact Sheets - December 2022

December 2022

Cautious Managed Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

IA Mixed Investment 20% - 60% Shares sector average

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.

31/10/2020

3.38% 0.34%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

25

20

15

10

5

0

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

Percentage Growth

-5

-10

-15

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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-6.81 9.68 -0.68 13.74 -4.48

-9.47 7.20 3.51 11.84 -5.10

1 Year

-6.81 1.52 10.30

-9.47 0.46 6.62

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

3 Years 5 Years

31/12/2017

31/12/2018

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 changes made during that time.

Portfolio Breakdown as at 31 December 2022

Fund

Sector

Allocation (%)

abrdn Global Real Estate

IA Property Other

7.5 7.5

Baillie Gifford High Yield Bond HSBC FTSE All Share Index L&G Active Sterling Corporate Bond

IA Sterling High Yield IA UK All Companies

12.5

IA Sterling Corporate Bond

7.5

L&G Multi-Index Income 4

IA Volatility Managed

15.0

L&G Short Dated Sterling Corporate Bond Index

IA Sterling Corporate Bond IA UK Direct Property IA UK Equity Income IA Global Equity Income

5.0 7.5

L&G UK Property Feeder

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

12.5

7.5

IA Mixed Investment 20-60% Shares

12.5 5.0 100

IA Sterling Corporate Bond

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

42.61 39.73 14.09

Undisclosed

0.00 2.42

UK

53.15 13.99 13.73

Emerging Markets 2.66

Fixed Interest

Cash Other

North America

Cash*

0.98 7.59 0.00 1.39

Property

1.15

Europe Japan

International Undisclosed

Alternative Investment Strategies

1.71

0.00

-

Asia Pacific

4.66

Other

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 2022

Changing World Portfolio

Performance Comparator:

IA Global Sector average

30/09/2020

Launch Date: Expected Yield: Portfolio OCF:

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

0.11%

0.84%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

100

80

60

40

20

Percentage Growth

0

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

-20

Portfolio pre-launch

IA Global

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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-17.24 8.78 38.13 25.78 -2.26

-11.06 17.68 15.27 21.92 -5.72

1 Year

-17.24 24.35 52.86

-11.06 20.64 38.68

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

3 Years 5 Years

31/12/2017

31/12/2018

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 changes made during that time.

Portfolio breakdown as at 31 December 2022

Fund

Industry Sector

Allocation (%)

AXA Framlington Biotech

IA Specialist

7.5

AXA Framlington Global Thematics Baillie Gifford Global Discovery Guinness Global Innovators Guinness Sustainable Energy Pictet Global Megatrend Selection Polar Capital Global Technology Polar Capital Healthcare Blue Chip Sarasin Food & Agriculture Opportunities Jupiter Ecology

IA Global IA Global IA Global

10.0 12.5 10.0

Commodity & Energy

7.5 7.5

IA Global

Equity - International

15.0 15.0

Equity - Tech Media & Telecom

IA Specialist IA Specialist

7.5

7.5 100

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

89.60

Undisclosed

0.00 3.03 7.25

UK

4.43

Emerging Markets 2.30

Fixed Interest

0.00

Cash Other

North America

57.96 10.90

Cash*

2.44 0.00 15.00

Property

0.12

Europe Japan

International Undisclosed

Alternative Investment Strategies

1.97 4.32 0.29

0.00

-

-

-

Asia Pacific

Other

0.39

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 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 2022

Defensive Growth Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

IA Targeted Absolute Return Sector average

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

31/10/2020

1.69% 0.75%

Initial Fee:

Nil

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

15

10

5

0

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

Percentage Growth

-5

-10

Portfolio pre-launch

IA Targeted Absolute Return

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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-4.15 3.90 3.34 7.42 -2.80

-0.37 3.53 2.59 4.38 -2.81

1 Year

-4.15 2.92 7.45

-0.37 5.83

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

3 Years 5 Years

7.36

31/12/2017

31/12/2018

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 changes made during that time.

Portfolio breakdown as at 31 December 2022

Fund

Industry Sector

Allocation (%)

Artemis Target Return Bond BNY Mellon Real Return CT Dynamic Real Return

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

7.5

12.5 12.5 10.0 10.0 10.0 10.0 10.0 10.0 7.5 100

Janus Henderson Absolute Return

Janus Henderson Multi Asset Absolute Return

M&G Episode Allocation

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

Ninety One Diversified Income Rathbone Total Return Portfolio

IA Volatility Managed

TM Tellworth UK Select

IA Targeted Absolute Return IA Targeted Absolute Return

Vontobel TwentyFour Absolute Return Credit

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

31.28 41.20 3.52

Undisclosed

0.00 14.67 4.42

UK

22.32

Emerging Markets 2.32

Fixed Interest

Cash Other

North America

9.14

Cash*

5.67

Property

Europe

8.02

International

1.19

Alternative Investment Strategies

4.91

-

-

-

Japan

0.70

Undisclosed 32.50

Asia Pacific

2.90 0.69

Other

14.55

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 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 2022

Ethical RL2 Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

IA Mixed Investment 20% - 60% Shares sector average

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

31/10/2020

3.08% 0.58%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

30

25

20

15

10

5

0

12/2017 Percentage Growth

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

-5

-10

-15

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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-16.94 4.22 6.80 15.81 -5.20

-9.47 7.20 3.51 11.84 -5.10

1 Year

-16.94

-9.47 0.46 6.62

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

3 Years 5 Years

-7.55

1.51

31/12/2017

31/12/2018

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 changes made during that time.

Portfolio breakdown as at 31 December 2022

Fund

Industry Sector

Allocation (%)

abrdn Ethical Corporate Bond

IA Sterling Corporate Bond

17.5

abrdn Global Sustainable and Responsible Investment Equity

IA Global

7.5

CT Responsible Sterling Corporate Bond

IA Sterling Corporate Bond

16.5 8.5 7.5 17.5 17.5 7.5 100

CT Resposible UK Income

IA UK Equity Income

Jupiter Ecology

IA Global

Rathbone Ethical Bond Royal London Ethical Bond

IA Sterling Corporate Bond IA Sterling Strategic Bond

Trojan Ethical Income

IA Unclassified

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

29.66 67.30

Undisclosed

0.00 2.81 0.08

UK

65.88

Emerging Markets 0.00

Fixed Interest

Cash Other

North America

11.78

Cash*

1.68

Property

0.15

Europe

14.55 0.89 2.89 0.00

International Undisclosed

2.16

Alternative Investment Strategies

0.00

-

-

-

Japan

0.00

Asia Pacific

Other

0.17

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 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 2022

Ethical RL3 Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

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.

2.47% 0.71%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

3

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 40% - 85% Shares fund.

Performance to 31 December 2022 1

40

30

20

10

0

12/2017 Percentage Growth

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

-10

-20

Portfolio pre-launch

IA Mixed Investment 40% - 85% 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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-16.79

-10.04 10.94 5.32 15.78

1 Year

-16.79 -3.24

-10.04

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

11.45 4.34

3 Years 5 Years

5.12

8.78

14.27

22.43

31/12/2017

31/12/2018

-8.18

-6.11

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 changes made during that time.

Portfolio breakdown as at 31 December 2022

Fund

Industry Sector

Allocation (%)

abrdn Ethical Corporate Bond

IA Sterling Corporate Bond

9.5 9.0

abrdn Global Sustainable and Responsible Investment Equity

IA Global

Aegon Ethical Equity

IA UK All Companies IA UK Equity Income

13.0 14.0 13.0 13.0 9.75 9.75 9.0 100

CT Responsible UK Income

Jupiter Ecology

IA Global

Liontrust UK Ethical Rathbone Ethical Bond Royal London Ethical Bond Unicorn UK Ethical Income

IA UK All Companies

IA Sterling Corporate Bond IA Sterling Strategic Bond

IA UK Equity Income

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

66.51 28.42

Undisclosed

0.00 4.22 0.68

UK

67.77 12.10 11.35

Emerging Markets 0.00

Fixed Interest

Cash Other

North America

Cash*

3.77

Property

0.17

Europe

International Undisclosed

0.80 0.00

Alternative Investment Strategies

0.00

-

-

-

Japan

1.37

Asia Pacific

2.65 0.00

Other

0.19

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 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 2022

Global Select Portfolio

Performance Comparator:

IA Global Sector average

30/11/2020

Launch Date: Expected Yield: Portfolio OCF:

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

0.98% 0.83%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

10 20 30 40 50 60 70 80

Percentage Growth

-20 -10 0

12/2018 04/2019 08/2019 12/2019 04/2020 08/2020 12/2020 04/2021 08/2021 12/2021 04/2022 08/2022 12/2022

Portfolio pre-launch

IA Global

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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-11.07

-11.06

1 Year

-11.07

-11.06

31/12/2020

31/12/2021

11.82

17.68

3 Years

16.40

20.64

31/12/2019

31/12/2020

17.05

15.27

5 Years

0.00

38.68

31/12/2018

31/12/2019

20.62

21.92

31/12/2017

31/12/2018

0.00

-5.72

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 2022

Fund

Industry Sector

Allocation (%)

Artemis US Smaller Companies

IA North American Smaller Companies

5.0

Baillie Gifford Emerging Markets Growth

IA Global Emerging Markets

4.75 12.0 10.0

CT American Extended Alpha

IA North America IA North America

Dodge & Cox US Stock

FSSA Asia Focus FSSA Japan Focus

IA Asia Pacific Excluding Japan

9.0

IA Japan IA Global

7.5

GS Global CORE Equity Portfolio

6.25

Jupiter Gold And Silver

IA Specialist

4.0

Jupiter Merian Asia Pacific Lazard Emerging Markets

IA Asia Pacific Excluding Japan IA Global Emerging Markets

5.0 4.0

LF Lightman European

IA Europe Excluding UK

3.25

Liontrust Special Situations Lowes UK Defined Strategy Man GLG Japan Core Alpha

IA UK All Companies

3.0 2.0

FO Mixed Asset - Flexible

IA Japan

10.0

R&M European

IA Europe Excluding UK IA UK All Companies IA UK All Companies IA Targeted Absolute Return

3.0 2.0 3.0

Schroder Recovery

TM CRUX UK Special Situations

Tellworth UK Select

6.25 100

Asset Allocation

Geographical Weighting

(%)

(%) 2.00

(%) 13.71

(%) 0.14

Equities

95.69

Undisclosed

UK

Emerging Markets

Fixed Interest

0.00

Cash

1.17

North America

31.60

Cash*

0.82

Property

0.00

Other

1.14

Europe

4.37

International Undisclosed

0.16

Alternative Investment Strategies

Japan

18.49 19.48

9.25 0.44

0.00

-

-

-

Asia Pacific

Other

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

Latin America

1.54

-

-

-

*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 2022

Mixed Investments 0%-35% Shares Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

IA Mixed Investment 0% - 35% Shares sector average

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.

30/11/2020

3.54% 0.73%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

25

20

15

10

5

0 Percentage Growth

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

-5

-10

Portfolio pre-launch

IA Mixed Investment 0% - 35% 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

To

Portfolio

Sector

Portfolio

Sector

31/12/2021

31/12/2022

-9.99

-10.87 2.84 3.90 8.70 -3.35

1 Year

-9.99 -0.61

-10.87

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

5.15 5.01

3 Years 5 Years

-4.77 0.06

9.14

12.38 -2.29

31/12/2017

31/12/2018

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 2022

Fund

Industry Sector IA Property Other

Allocation (%)

abrdn Global Real Estate

2.5

Artemis Income

IA UK Equity Income

7.5

Artemis Strategic Bond

IA Sterling Strategic Bond

7.0

CT Global Multi Asset Income

IA Mixed Investment 20-60% Shares

9.0

Invesco Monthly Income Plus

IA Sterling Strategic Bond

7.0

Janus Henderson Strategic Bond

IA Sterling Strategic Bond

8.0

L&G Multi-Index 3

IA Volatility Managed

10.0

L&G UK Property Feeder

IA UK Direct Property

2.5

Man GLG Income

IA UK Equity Income

7.5

Nomura Global Dynamic Bond (Hedged)

IA Sterling Strategic Bond

8.0

Premier Miton Strategic Monthly Income Bond

IA Sterling Strategic Bond

5.0

Royal London Sustainable Managed Growth Trust

IA Mixed Investment 0-35% Shares

5.0

Schroder Sterling Corporate Bond

IA Sterling Corporate Bond

6.0

Tellworth UK Select

IA Targeted Absolute Return

4.0

TwentyFour Dynamic Bond

IA Sterling Strategic Bond

8.0

VT Gravis UK Infrastructure Income

IA Infrastructure

3.0 100

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

27.08 60.39

Undisclosed

0.00 3.83 2.61

UK

42.26 14.14 15.48

Emerging Markets 0.63

Fixed Interest

Cash Other

North America

Cash*

3.05 4.40 14.00

Property

6.06

Europe Japan

International Undisclosed

Alternative Investment Strategies

0.67 2.50 0.53

0.03

-

-

-

Asia Pacific

Other

2.34

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 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 2022

Mixed Investments 20% - 60% Shares Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

IA Mixed Investment 20% - 60% Shares sector average

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.

30/11/2020

3.26% 0.69%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

30

25

20

15

10

5

0

12/2017 04/2018 08/2018 12/2018 04/2019 08/2019 12/2019 04/2020 08/2020 12/2020 04/2021 08/2021 12/2021 04/2022 08/2022 12/2022 Percentage Growth

-5

-10

-15

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

To

Portfolio

Sector

Portfolio

Sector

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

31/12/2022 31/12/2021 31/12/2020 31/12/2019 31/12/2018

-7.28 9.00 2.27 14.21 -3.07

-9.47 7.20 3.51 11.84 -5.10

1 Year

-7.28 3.36 14.42

-9.47 0.46 6.62

3 Years 5 Years

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 2022

Fund

Industry Sector IA Property Other IA UK Equity Income

Allocation (%)

abrdn Global Real Estate

5.0 6.5 8.0 2.5 3.0 4.0 8.5 5.0 7.5 3.5 6.5 4.5 6.0 5.5 8.0 3.0 4.0 4.0 100 5.0

Artemis Income

CT Global Multi Asset Income GAM Star Credit Opportunities

IA Mixed Investment 20-60% Shares

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

Invesco Corporate Bond

Janus Henderson Strategic Bond

L&G Multi-Index 4

IA Volatility Managed

L&G Short Dated Sterling Corporate Bond Index

IA Sterling Corporate Bond

L&G UK Property Feeder

IA UK Direct Property

Liontrust Sustainable Future Defensive Managed

IA Mixed Investment 20-60% Shares

M&G Global Dividend

IA Global Equity Income

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

IA Sterling Corporate Bond

TB Evenlode Global Income

IA Global Equity Income

Tellworth UK Select

IA Targeted Absolute Return IA Sterling Strategic Bond

TwentyFour Dynamic Bond

Asset Allocation

Geographical Weighting

(%)

(%)

(%)

(%)

Equities

43.54

Undisclosed

0.00

UK

49.82

Emerging Markets

0.79

Fixed Interest

40.98

Cash

3.75

North America

12.76 15.80

Cash*

2.49 4.20 8.00

Property

10.02

Other

1.69

Europe

International Undisclosed

Alternative Investment Strategies

Japan

1.16

0.02

-

-

-

Asia Pacific

2.91

Other

1.67

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

Latin America

0.40

-

-

-

*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 2022

Mixed Investments 40% - 85% Shares Portfolio

Performance Comparator: Launch Date: Expected Yield: Portfolio OCF:

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.

2.37% 0.78%

Nil

Initial Fee:

0.10%

Management Fee: Lowes Risk Level:

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.

Performance to 31 December 2022 1

50

40

30

20

10

0 Percentage Growth

12/2017

06/2018

12/2018

06/2019

12/2019

06/2020

12/2020

06/2021

12/2021

06/2022

12/2022

-10

-20

Portfolio pre-launch

IA Mixed Investment 40% - 85% 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

To

Portfolio

Sector

Portfolio

Sector

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

31/12/2022 31/12/2021 31/12/2020 31/12/2019 31/12/2018

-8.74

-10.04

1 Year

-8.74

-10.04

9.81

10.94

3 Years 5 Years

10.18

5.12

9.95

5.32

25.25

14.27

16.97

15.78

31/12/2017

-2.81

-6.11

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.