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*Cash is measured by the Bank of England’s interest rate benchmark, SONIA.
Many investors keep their savings in cash deposits rather than investing it because they are worried about the current market conditions. Due to persistently low cash rates many have seen their capital erode in value and lost opportunities to grow their wealth over time.
The Sovereign Portfolio targets a return of 2% above cash and allows investors to withdraw funds if needed. For those looking for an investment offering easy access to their cash, made up of a diversified range of high quality fixed income securities, this could be the Portfolio for you. Cash is measured by the Bank of England’s interest rate benchmark, SONIA.
The portfolio will always carry an average credit rating of between AA- to AAA. That rating is higher than the majority of UK high-street banks.
Source: Bloomberg, Signia. Data as at 31/12/2020
Strategy inception 31/07/15. Performance represents model performance net of trading costs. Past performance is not a reliable indicator for future returns.
The strategy is suitable for investors who can accept a low to moderate level of risk and who are seeking a combination of mainly income and some capital growth over a time horizon of at least 3 years.
Source: Bloomberg, Signia Wealth. Data as of 31.12.2020.
Model performance prior to November 2015 is simulated performance based on the model’s actual holdings and weightings set by the mandate’s strategic asset allocation and is shown net of fees. Past and simulated performance is not a liable indicator of future performance. Indices are unmanaged and exclude fees. An individual cannot invest directly in an index.
The strategy is suitable for investors who can accept a moderate level of risk and who are seeking to focus on generating income whilst also aiming to grow the capital value over a time horizon of more than 5 years.
Source Bloomberg, Signia Wealth Data as of 31 12 2020
Model performance prior to November 2015 is simulated performance based on the model’s actual holdings and weightings set by the mandate’s strategic asset allocation and is shown net of fees Past and simulated performance is not a liable indicator of future performance Indices are unmanaged and exclude fees An individual cannot invest directly in an index
“Experience and risk management drive our investment policy. Backed up by a rigorous analysis of changing markets and the global investment landscape."Robert LeeCo-Head of Multi-Asset Investments, Signia Wealth
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Signia Invest Sovereign Portfolio – an alternative to cash
Many investors remain in cash because they are worried about the current market conditions. As a consequence, they have seen their capital erode and have suffered important opportunity costs over time
Real Rate of Return on Cash1 - 31 December 2000 to 31 December 2020
*Real cash rate represents the nominal rate of cash less the cost of inflation (CPI) in each relevant currency. Source: Bloomberg; Signia Wealth. Past performance is not a reliable indicator for future returns
Over the past 20 years the average rate of return of cash has been near zero across all major currencies.
Dec 2000 – Dec 2020
Average real rate of return
- Real cash rates are likely to remain low or negative for the foreseeable future as a consequence of the economic cycle’s financial depression for savers
- The rate hiking cycle in the US was slower and longer than usual, and has now ended
- Positive inflation levels have continued to add pressure on real cash rates