The fund aims to maximise returns over the longer term.  The investment remit is a wide one, allowing us to invest in shares, cash and fixed interest, mainly through funds such as unit trusts, OEICs and investment trusts.  Our aim is for an overall return, looking to maximise gains in a rising market, and minimise losses when markets are falling.  This can be achieved partly through the right choice of asset class, and partly through selecting the best fund(s) in our chosen areas.

Our benchmarks are to beat the FTSE-100 index over the medium term, and to provide a better return than a good building society over the medium term (3-5 years).

Our fund will normally hold around 40 sub-funds.  The rules prevent us from over-concentration but in any event our policy is not to put too much money in any one area, however promising.

Our fund is managed for an overall return and does not pay an income.

The full initial charge on the fund is 4.0%, though in practice it will normally be lower through commission sacrifice.  The annual management charge is 1.65% per annum.