Synaptic Risk Rating Table

         
Cautious Moderately Cautious Balanced Moderately Adventurous Adventurous

Synaptic Risk Rating based on following analysis:
Strategic Asset Allocation Tactical Asset Allocation

Architas

MA Passive Prudent
MA Passive Reserve
MA Passive Moderate
MA Passive Intermediate
MA Passive Progressive
MA Passive Growth
MA Passive Dynamic
MA Blended Reserve
MA Blended Moderate
MA Blended Intermediate
MA Blended Progressive
MA Blended Growth
MA Active Reserve
MA Active Moderate Income
MA Active Intermediate Income
MA Active Progressive
MA Active Growth
MA Active Dynamic

Aviva Investors

MAF I
MAF II
MAF III
MAF IV
MAF V

BMO Global Asset Management

F&C MM Lifestyle Foundation
F&C MM Lifestyle Defensive Fund
F&C MM Lifestyle Cautious Fund
F&C MM Lifestyle Balanced Fund
F&C MM Lifestyle Growth Fund
Pyrford Global Total Return (Sterling)
F&C MM Navigator Distribution
F&C MM Navigator Moderate
F&C MM Navigator Progressive
F&C MM Navigator Select
F&C MM Navigator Boutiques
BMO Universal MAP Cautious
BMO Universal MAP Balanced
BMO Universal MAP Growth

BNY Mellon

Newton Multi-Asset Diversified Return
Newton Multi-Asset Income
Newton Multi-Asset Balanced
Newton Multi-Asset Growth
Newton Global Balanced
Newton Global Dynamic Bond
Newton Global Dynamic Bond Income
Newton Real Return

Brewin Dolphin

Cautious MPS
Income MPS
Balanced MPS
Growth MPS
Global Equity MPS
Cautious Passive+
Income Passive+
Balanced Passive+
Growth Passive+
Global Equity Passive+

Brooks Macdonald

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MPS Low Risk (Defensive Income)
MPS Low Medium Risk (Income & Growth)
MPS Low Medium Risk (Income)
MPS Medium Risk (Income)
MPS Medium Risk (Income & Growth)
MPS Medium Risk (Passive)
MPS Medium High Risk
MPS Medium High Risk (Passive)
MPS High Risk (Income & Growth)
MPS High Risk (Growth)
IFSL BM Defensive Income
IFSL BM Cautious Growth
IFSL BM Balanced
IFSL BM Strategic Growth
IFSL BM Defensive Capital
MPS Low Medium Risk (Passive)

Canada Life Investments

LF Canlife Portfolio III
LF Canlife Portfolio IV
LF Canlife Portfolio V
LF Canlife Portfolio VI
LF Canlife Portfolio VII
Canlife Portfolio 3
Canlife Portfolio 4
Canlife Portfolio 5
Canlife Portfolio 6
Canlife Portfolio 7
LF Canlife Managed 0%-35%
Canlife Managed 0%-35%

Carmignac

Carmignac Portfolio Sécurité
Carmignac Portfolio Patrimoine
Carmignac Portfolio Capital Plus
Carmignac Portfolio Commodities
Carmignac Portfolio Emergents
Carmignac Portfolio Unconstrained Global Bond
Carmignac Portfolio Euro-Entrepreneurs
Carmignac Portfolio Capital Cube
Carmignac Portfolio Investissement
Carmignac Portfolio Long-Short European Equities
Carmignac Portfolio Emerging Discovery
Carmignac Portfolio Emerging Patrimoine
Carmignac Portfolio Grande Europe

Charles Stanley

Dynamic Passive

Dynamic Passive 1
Dynamic Passive 2
Dynamic Passive 3
Dynamic Passive 4
Dynamic Passive 5

Charles Stanley

Multi Manager

Multi Manager Income 1
Multi Manager Income 2
Multi Manager Income 3
Multi Manager Income 4
Multi Manager Income 5
Multi Manager Total Return 1
Multi Manager Total Return 2
Multi Manager Total Return 3
Multi Manager Total Return 4
Multi Manager Total Return 5

Close Brothers

Close Managed Growth Fund
Close Tactical Select Passive Growth Fund
Close DMS Growth
Close Managed Balanced Fund
Close Tactical Select Passive Balanced Fund
Close DMS Balanced
Close Managed Income Fund
Close Managed Conservative Fund
Close Tactical Select Passive Conservative Fund
Close DMS Income Plus
Close DMS Conservative
Close Bond Income Portfolio Fund
Close Growth Portfolio Fund
Close Balanced Portfolio Fund
Close Conservative Portfolio Fund
Close Diversified Income Portfolio Fund

Goldman Sachs Asset Management

GS Wealthbuilder Multi-Asset Conservative Portfolio
GS Wealthbuilder Multi-Asset Balanced Portfolio
GS Wealthbuilder Multi-Asset Growth Portfolio

Hawksmoor Investment Management

Hawksmoor Model Portfolios Defensive
Hawksmoor Model Portfolios Cautious
Hawksmoor Model Portfolios Balanced
Hawksmoor Model Portfolios Growth
Hawksmoor Model Portfolios Aggressive
Hawksmoor Model Portfolios Distribution
MI Hawksmoor Vanbrugh
MI Hawksmoor Distribution

HSBC Global Asset Management

HSBC Global Strategy Cautious
HSBC Global Strategy Conservative
HSBC Global Strategy Balanced
HSBC Global Strategy Dynamic
HSBC Global Strategy Adventurous

Invesco Perpetual

Invesco Perpetual Asian Fund
Invesco Perpetual Corporate Bond Fund
Invesco Perpetual Distribution Fund
Invesco Perpetual Global Bond Fund
Invesco Perpetual Global Smaller Companies Fund
Invesco Perpetual Global Targeted Returns Fund
Invesco Perpetual High Income Fund
Invesco Perpetual High Yield Fund
Invesco Perpetual Hong Kong & China Fund
Invesco Perpetual Income Fund
Invesco Perpetual Latin American Fund
Invesco Perpetual Managed Growth Fund
Invesco Perpetual Managed Income Fund
Invesco Perpetual Monthly Income Plus Fund
Invesco Perpetual Pacific Fund
Invesco Perpetual Tactical Bond Fund
Invesco Perpetual UK Smaller Companies Equity Fund
Invesco Perpetual UK Strategic Income Fund
Summit Growth 1
Summit Growth 2
Summit Growth 3
Summit Growth 4
Summit Growth 5

Investec Asset Management

Diversified Income Fund
Investec Cautious Managed Fund
Diversified Growth Fund
MAP
Investec Global Multi-Asset Total Return Fund

Janus Henderson

Henderson Cautious Managed
Henderson MM Absolute Return
Henderson MM Distribution
Henderson MM Income & Growth
Henderson MM Managed
Henderson MM Active
Henderson Core 3 Income
Henderson Core 4 Income
Henderson Core 5 Income
Henderson Core 6 Income

LGT Vestra

MPS - Defensive
MPS - Cautious
MPS - Balanced
MPS - Growth
MPS - Adventurous
MPS - Strategic Income

Liontrust

MPS

MPS Growth 1
MPS Growth 2
MPS Growth 3
MPS Growth 4
MPS Growth 5
MPS Growth 6
MPS Growth 7
MPS Growth 8
MPS Income 1
MPS Income 2
MPS Income 3
MPS Income 4
MPS Income 5
MPS Income 6
MPS Dynamic Beta 1
MPS Dynamic Beta 2
MPS Dynamic Beta 3
MPS Dynamic Beta 4
MPS Dynamic Beta 5
MPS Dynamic Beta 6
MPS Dynamic Beta 7
MPS Dynamic Beta 8

Liontrust

WSS

WSS Risk Grade 1
WSS Risk Grade 2
WSS Risk Grade 3
WSS Risk Grade 4
WSS Risk Grade 5
WSS Risk Grade 6
WSS Risk Grade 7
WSS Risk Grade 8
WSS Risk Grade 9
WSS Risk Grade 10
WSS Income 1
WSS Income 2
WSS Income 3
WSS Income 4
WSS Income 5
WSS Income 6
WSS Dynamic Beta 1
WSS Dynamic Beta 2
WSS Dynamic Beta 3
WSS Dynamic Beta 4
WSS Dynamic Beta 5
WSS Dynamic Beta 6
WSS Dynamic Beta 7
WSS Dynamic Beta 8
WSS Dynamic Beta 9
WSS Dynamic Beta 10

LV=

Flexible Guaranteed Funds Cautious
Flexible Guaranteed Funds Balanced
Flexible Guaranteed Managed Growth

MAPS

MP3
MP4
MP5
MP6
MP7

Premier Asset Management

Funds

Premier Multi-Asset Conservative Growth
Premier Multi-Asset Absolute Return Fund
Premier Multi-Asset Distribution Fund
Premier Multi-Asset Monthly Income Fund
Premier Multi-Asset Growth & Income Fund
Premier Multi-Asset Global Growth Fund
Premier UK Money Market Fund
Premier Defensive Growth Fund
Premier Corporate Bond Monthly Income Fund
Premier Diversified Fund
Premier Diversified Income Fund
Premier Liberation IV Fund
Premier Liberation V Fund
Premier Liberation VI Fund
Premier Liberation VII Fund

Premier Asset Management

MPS Portfolios

Premier Capital Builder Portfolio
Premier Capital Builder Plus Portfolio
Premier Income and Growth Portfolio
Premier Income Portfolio
Premier Conservative Portfolio
Premier High Income Portfolio
Premier Balanced Portfolio
Premier Balanced Plus Portfolio
Premier Growth Portfolio
Premier Growth Plus Portfolio
Premier Dynamic Growth Portfolio

Prudential

PruFund Cautious
PruFund Protected Cautious
PruFund Growth
PruFund Protected Growth
PruFund 0-30
PruFund 10-40
PruFund 20-55
PruFund 40-80
WP Optimum Return
Focused 0-30
Focused 10-40
Focused 20-55
Focused 40-80
Focused 60-100
Dynamic 0-30
Dynamic 10-40
Dynamic 20-55
Dynamic 40-80
Dynamic 60-100

Quilter Cheviot

MPS Global Growth
MPS Growth
MPS Balanced
MPS Global Income
MPS Income
MPS Conservative
MPS Cautious
IDX Growth
IDX Balanced
IDX Income
IDX Conservative
MPS Global Growth (Platform)
MPS Growth (Platform)
MPS Balanced (Platform)
MPS Global Income (Platform)
MPS Income (Platform)
MPS Conservative (Platform)
IDX Growth (Platform)
IDX Balanced (Platform)
IDX Income (Platform)
IDX Conservative (Platform)

Quilter Investors

Quilter Generation 3
Quilter Generation 4
Quilter Generation 5
Quilter Cirilium Conservative Fund
Quilter Cirilium Balanced Fund
Quilter Cirilium Moderate Fund
Quilter Cirilium Dynamic Fund
Quilter Cirilium Adventurous Fund
Creation Conservative
Creation Balanced
Creation Moderate
Creation Dynamic
Creation Adventurous
CRA 3 Active Managed Portfolio
CRA 4 Active Managed Portfolio
CRA 5 Active Managed Portfolio
CRA 6 Active Managed Portfolio
CRA 7 Active Managed Portfolio
CRA 8 Active Managed Portfolio
CRA 9 Active Managed Portfolio
CRA 10 Active Managed Portfolio

Rathbones

Bespoke

Strategy 1
Strategy 2
Strategy 3
Strategy 4
Strategy 5
Strategy 6

Rathbones

Managed Portfolios

Cautious
Balanced
Income
Balanced Plus
Equity
Equity Plus

Rathbones

Multi Asset

RMAP Total Return
RMAP Strategic Growth
RMAP Enhanced Growth
RMAP Strategic Income

Royal London

Global Multi Asset Portfolios

RL GMAP Conservative
RL GMAP Defensive
RL GMAP Balanced
RL GMAP Growth
RL GMAP Adventurous
RL GMAP Dynamic

Royal London

Governed Portfolios

RL Governed Portfolio 1 (l)
RL Governed Portfolio 2
RL Governed Portfolio 3 (s)
RL Governed Portfolio 4 (l)
RL Governed Portfolio 5
RL Governed Portfolio 6 (s)
RL Governed Portfolio 7 (l)
RL Governed Portfolio 8
RL Governed Portfolio 9 (s)
RL GRIP 1
RL GRIP 2
RL GRIP 3
RL GRIP 4
RL GRIP 5
RLP Deposit
RLP Global High Yield Bond
RLP Global Managed
RLP Long (15 yr) Corporate Bond
RLP Long (15 yr) Gilt
RLP Long (15 yr) Index Linked
RLP Medium (10 yr) Corporate Bond
RLP Medium (10 yr) Gilt
RLP Medium (10 yr) Index Linked
RLP Property
RLP Short (5 yr) Corporate Bond
RLP Short (5 yr) Gilt
RLP Short (5 yr) Index Linked
RLP Short Duration Global High Yield
RLP Sterling Extra Yield Bond

RSMR Portfolio Services

RSMR Rfolio Defensive
RSMR Rfolio Cautious
RSMR Rfolio Prudent
RSMR Rfolio Balanced
RSMR Rfolio Growth
RSMR Rfolio Dynamic
RSMR Rfolio Adventurous
RSMR Rfolio Income
RSMR Rfolio SRI Cautious
RSMR Rfolio SRI Balanced
RSMR Rfolio SRI Dynamic

Russell Investments

Russell Investments Secure Portfolio
Russell Investments Cautious Portfolio
Russell Investments Conservative Portfolio
Russell Investments Moderate Portfolio
Russell Investments Balanced Portfolio
Russell Investments Progressive Portfolio
Russell Investments Adventurous Portfolio
Russell Investments Growth Portfolio
Russell Investments Aggressive Portfolio
Russell Investments Aggressive Plus
Russell Investments Defensive Assets Fund
Russell Investments Real Assets Fund
Russell Investments UK Growth
Russell Investments International Growth
Russell Investments MA Growth 1
Russell Investments MA Growth 2
Russell Investments MA Growth 3
Russell Investments MA Growth 4
Russell Investments MA Growth 5
Russell Investments MA Income

Sanlam

Conservative Portfolio
Defensive Portfolio
Moderate Portfolio
Progressive Portfolio
Positive Portfolio
Positive Plus Portfolio
Adventurous Portfolio
Adventurous Plus Portfolio

Santander

Santander Atlas 3
Santander Atlas 4
Santander Atlas 5
Santander Atlas 6
Santander Atlas 7
Santander Atlas Income

Schroders

Schroder MM Diversity
Schroder MM Diversity Balanced
Schroder MM Diversity Income
Schroder MM Diversity Tactical
Schroder MM International
Schroder MM UK Growth
Schroder Mixed Distribution Fund
Schroder Global Multi Asset Income
Schroder Dynamic Multi Asset
Schroder Managed Balanced

Scottish Widows

Pension Portfolio 1
Pension Portfolio 2
Pension Portfolio 3
Pension Portfolio A
Pension Portfolio B
Pension Portfolio 4
Pension Portfolio C
Pension Portfolio 5
Premier Pension Portfolio 1
Premier Pension Portfolio 2
Premier Pension Portfolio 3
Premier Pension Portfolio A
Premier Pension Portfolio B
Premier Pension Portfolio 4
Premier Pension Portfolio C
Premier Pension Portfolio 5

Seven Asset Management

Cautious
Income
Moderately Cautious
Balanced
Moderately Adventurous
Adventurous
Personal Injury

Smith & WIlliamson

S&W Defensive Portfolio - 3
S&W Defensive Income Portfolio - 4
S&W Balanced Income Portfolio - 5
S&W Balanced Growth Portfolio - 6
S&W Growth Portfolio - 7
S&W Dynamic Growth Portfolio - 8

Standard Life

MyFolio Market I
MyFolio Market II
MyFolio Market III
MyFolio Market IV
MyFolio Market V
MyFolio Managed I
MyFolio Managed II
MyFolio Managed III
MyFolio Managed IV
MyFolio Managed V
MyFolio Multi-Manager I
MyFolio Multi-Manager II
MyFolio Multi-Manager III
MyFolio Multi-Manager IV
MyFolio Multi-Manager V
MyFolio Managed Income I
MyFolio Managed Income II
MyFolio Managed Income III
MyFolio Managed Income IV
MyFolio Managed Income V
MyFolio Multi-Manager Income I
MyFolio Multi-Manager Income II
MyFolio Multi-Manager Income III
MyFolio Multi-Manager Income IV
MyFolio Multi-Manager Income V

Thesis Asset Management

Thesis Optima Income
Thesis Optima Balanced
Thesis Optima Growth
Thesis Collectives 1 of 7
Thesis Collectives 2 of 7
Thesis Securities 3 of 7
Thesis Securities 4 of 7
Thesis Securities 5 of 7
Thesis Securities 6 of 7
Thesis Securities 7 of 7

Time Investments

Commercial Freehold Fund

Vanguard

Vanguard LifeStrategy 20%
Vanguard LifeStrategy 40%
Vanguard LifeStrategy 60%
Vanguard LifeStrategy 80%
Vanguard LifeStrategy 100%

Verbatim Portfolios

Portfolios

FP Verbatim Portfolio 3
FP Verbatim Portfolio 4
FP Verbatim Portfolio 5 Growth
FP Verbatim Portfolio 6
FP Verbatim Portfolio 7
FP Verbatim Portfolio 5 Income

SimplyBiz Investment Management RSMR

RSMR

RSM Model Portfolio 2
RSM Model Portfolio 3
RSM Model Portfolio 4
RSM Model Portfolio 5
RSM Model Portfolio 6
RSM Model Portfolio 7
RSM Model Portfolio 8
RSM Model Portfolio 9
RSM Model Portfolio 10

Verbatim Total Clarity

Total Clarity

Total Clarity Portfolio 3
Total Clarity Portfolio 4
Total Clarity Portfolio 5
Total Clarity Portfolio 6

Verbatim VDS

VDS

VDS JH 3
VDS JH 4
VDS JH 5
VDS JH 6
VDS JH 7
VDS JH 8
VDS RSMR 2
VDS RSMR 3
VDS RSMR 4
VDS RSMR 5
VDS RSMR 6
VDS RSMR 7
VDS RSMR 8
VDS RSMR 9
VDS RSMR 10
VDS TCF 3
VDS TCF 4
VDS TCF 5
VDS TCF 6
VDS TCF 7
VDS TCF 8
VDS S&W 3
VDS S&W 4
VDS S&W 5
VDS S&W 6
VDS S&W 7
VDS S&W 8
VDS HR 3
VDS HR 4
VDS HR 5
VDS HR 6
VDS HR 7
VDS HR 8

(s) These portfolios were constructed with short investment timelines (5 year) in mind.
(l) These portfolios were constructed with longer investment timelines (15 year) in mind. Otherwise Synaptic Risk Ratings assume a 10 year investment horizon. You should consult Royal London directly for further information before recommending.

About the service: Synaptic Risk Ratings are worked out by analysing the underlying asset classes within the fund or portfolio. Synaptic Software have requested asset allocation information from participating providers in a specific format aligned to the risk framework of the system. These asset classes are used by the model to determine the risk rating, a process that may result in a level of approximation though in most cases this will be insignificant. It is also possible that certain asset classes may not be represented exactly in the manner that providers would prefer.

Reasonable endeavours are made to provide accuracy and consistency, however neither participating providers nor Synaptic Software can be held responsible for any errors or omissions. No recommendation should be made solely on the basis of the Synaptic Risk Ratings, and additional research should be undertaken for any case. This service is intended for use by investment professionals only.