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Refined Balanced Fund

The Refined Balanced Fund is a multi-asset portfolio with an enhanced responsible investment approach. We take a considered approach to selecting investments, avoiding companies with certain excluded characteristics, and focusing on investments with Environmental, Social and Governance (ESG) characteristics. Our philosophy is that companies that have ESG characteristics are typically:

  1. Well-managed
  2. Resilient
  3. Forward-thinking

and this may indicate the potential for above average returns over the long term. 

What ESG characteristics do we asses? 

  • Companies – Industry group-specific dashboards compare companies against their peers on the most relevant and material data points for that industry group. 
  • Funds – Dashboards are used to carefully assess and compare funds against their peers by asset class and geography 
  • Sovereign Debt – Classification depends on whether the issuing country received a UN Sustainable Development Goal (SDG) Index score of 80 or higher 

 

Refined Balanced Fund 

Fund overview 

The Fund invests at least 70% of its value in assets with ESG characteristics 

Key negative criteria 

Adult Content, Alcohol, Armaments, Environment, Fossil Fuels, Gambling, High Interest Lending, Human Rights & Tobacco 

Investment objective 

The objective of the Fund is to provide income and capital growth, net of fees, over the longer term (a five-year rolling period) 

Benchmark 

IA Mixed Investment 40-85% Shares 

This product does not have a UK sustainability investment label. Sustainability investment labels help investors find products that have a specific sustainability goal. This Fund does not use a UK sustainability investment label because, whilst investment is focused on assets that demonstrate stronger ESG performance, and away from certain sectors or industries with excluded characteristics, the Fund does not have a sustainability objective and it does not seek any particular or measurable positive outcomes. The Refined Balanced Fund is a sub-fund of the TM Quilter Cheviot OEIC Portfolio (FCA Registered Fund Number 468637). Thesis Unit Trust Management Limited (“Tutman”) is the Authorised Corporate Director of the Funds. 

The value of your investments and the income from them can fall and you may not recover what you invested.