The tracker funds which make up our three Starting Options track the performance of cash, bonds, equities, and global property equities (a proxy for property).

The mix of funds in each Starting Option is decided using Modern Portfolio Theory where, based on historical data, returns are optimised for set levels of risk.

The funds themselves are selected on the basis of cost, how well the fund tracks its index, and the reputation of the fund provider. Fund selection is reviewed annually, and, if necessary, adjusted at the end of each calendar year.

For more information regarding the funds, see ‘What can I invest in with Moneybox?’ 🔍

Please remember that Moneybox does not offer financial advice and that it is your responsibility to ensure that the funds and your asset allocation are suitable for your own personal circumstances.