Lowes MPS Fact Sheets - December 2022

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.