BlackRock Consensus 85 Inclusive - Class A - Accumulation (GBP)

Sell:222.70p Buy:234.60p Change:

0.90p (0.40%)

Prices as at 29 May 2020

Sell:222.70p

Buy:234.60p

Change:

0.90p (0.40%)

You can buy or sell holdings in this fund through an ISA, Lifetime ISA, SIPP or Fund & Share Account

Prices as at 29 May 2020

Sell:222.70p

Buy:234.60p

Change:

0.90p (0.40%)

Prices as at 29 May 2020

You can buy or sell holdings in this fund through an ISA, Lifetime ISA, SIPP or Fund & Share Account

The selling price currently displayed is higher than the buying price. This can occur temporarily for a variety of reasons; shortly before the market opens, after the market closes or because of extraordinary price volatility during the trading day.

Charges and Savings

Initial charges
Initial charge:	5.00%
Initial saving from HL:	5.00%
HL dealing charge:	Free
Net initial charge:	0.00%

How initial savings affect the buy price

Annual charges

Performance fee:

Ongoing charge (OCF/TER):

0.63%

Ongoing saving from HL:

0.53% i

Net ongoing charge:

0.10%

There are other unit types of this fund available:

Class I - Accumulation (GBP)

(Net ongoing charge 0.10%)

HMRC believes that from April 2013 rebates of annual charges (such as loyalty bonuses) paid on funds held in nominee accounts, such as our Fund & Share Account, should be subject to income tax. Loyalty bonuses paid on funds in ISAs and SIPPs are unaffected, and they remain tax-free.

We believe all loyalty bonuses are tax-free and we are challenging HMRC's interpretation. However, while we make this challenge we are paying loyalty bonuses within the Vantage Fund & Share Account net of an amount equivalent to the basic rate tax. If we are successful in our challenge we will return this money to clients. If we are unsuccessful we will use the money to pay over any amounts due to HMRC.

If loyalty bonuses are taxable then the value of our ongoing saving to you could be reduced, depending on the rate of tax you pay. The below table gives an indication of how this may affect you.

In this case, the ongoing saving is 0.53%, of which 0.53% is paid by loyalty bonus. The tax that could be payable on this loyalty bonus, and therefore the value of this saving to you, is shown below.

	Non-taxpayer	Basic rate taxpayer	Higher rate taxpayer	Additional rate taxpayer
Ongoing saving from HL:	0.53%	0.53%	0.53%	0.53%
Loyalty bonus:	0.53%	0.53%	0.53%	0.53%
Tax on loyalty bonus:	0.00%	0.106%	0.212%	0.2385%
Value of ongoing saving to you:	0.53%	0.424%	0.318%	0.2915%

Tax rules can change and benefits depend on individual circumstances. Please remember loyalty bonuses received on funds held in the Vantage ISA or Vantage SIPP are exempt from tax.

Also, loyalty bonuses received by overseas investors, companies and charities are not required to be paid with the deduction of tax. Therefore, if you are an overseas investor, or you represent a company or charity please let us know if you would like your loyalty bonuses paid without the deduction of an amount equivalent to the basic rate tax.

In some cases the ongoing savings are provided by our loyalty bonus. Loyalty bonuses are tax-free in an ISA or SIPP. However, they may be subject to tax in a Fund & Share Account which would, in effect, reduce their value and increase the net ongoing charge.

HL Guide to fund prices, savings and yields

Please also read the Key Investor Information Document (KIID)

Other Information

Unit type:	Inclusive
Manager:	Stephen Walker Stephen Walker
Fund launch date:	19 August 2005
Launch price:	£1.00
Sector:	Mixed Investment 40-85% Shares
Fund size:	£1,992 million
Number of holdings:	17
Fund type:	Unit Trust
Accumulation/income:	Accumulation
Dealing frequency:	Daily
Valuation point:	12:00
Trustee:	BNY Mellon Trust & Depositary (UK) Ltd
Minimum investment:	£100.00
Charges deducted from:	Income
Available in a regular savings plan:	Yes
Minimum regular savings value:	£25.00

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Performance

	29/05/15 to 29/05/16	29/05/16 to 29/05/17	29/05/17 to 29/05/18	29/05/18 to 29/05/19	29/05/19 to 29/05/20
Annual return	-3.06%	24.26%	3.55%	1.62%	1.50%

Please remember past performance is not a guide to future returns. Where no data is shown, figures are not available. This information is provided to help you choose your own investments, remember they can fall as well as rise in value so you may not get back the original amount invested.

View fund chart

Our view on this fund

HL Research

BlackRock's Consensus 85 is a whole portfolio in one fund, and might be considered by those looking for low cost access to a range of international markets in one investment. It is a balanced fund, holding shares, bonds, property and cash, with the weightings based on the proportions held by...

Fund Objective

The aim of the Fund is to seek to achieve a total return by investment primarily in units of collective investment schemes. These collective investment schemes may gain exposure globally to the following asset classes: equity securities, fixed income securities (both government and non-government securities), money-market instruments, deposits, cash and near cash and alternative asset classes (such as property and commodities). The Fund may also invest directly in transferable securities (equity securities and fixed income securities), money-market instruments, deposits and cash and near cash. At any one time, the Fund will aim to have no less than 40% and no more than 85% of its investment exposure to equity securities. Any exposure to property and commodities will only be gained indirectly by the Fund. Derivatives and forward transactions may be used for the purposes of efficient portfolio management.

Income Details

Historic yield :	2.09%
Income paid:	Bi-annually
Type of payment:	Dividend
Ex-dividend date:	1 September 2020 1 March 2021
Payment date:	31 October 2020⁴ 30 April 2021⁴

This data is provided by Funds Library. HL accepts no responsibility for its accuracy and you should independently check data before making any investment decision. All yields are variable and not guaranteed. Information correct as at 30 April 2020.

Security	Weight
BlackRock iShares UK Equity Index Class L	21.22%
BlackRock iShares North American Equity Index Class L	14.66%
BlackRock iShares Continental European Equity Index Class L	12.44%
BlackRock iShares Overseas Corporate Bond Index Class L	9.34%
BlackRock Cash Class X	5.84%
BlackRock iShares Overseas Government Bond Index Class L	5.62%
BlackRock iShares Corporate Bond Index Class L	5.14%
BlackRock iShares Japan Equity Index Class L	4.85%
BlackRock iShares 100 UK Equity Index Class D	4.30%
BlackRock iShares UK Gilts All Stocks Index Class L	4.05%

Sector	Weight
Bonds	27.81%
Pharmaceuticals & Biotechnology	6.47%
Cash and Equiv.	6.01%
Banks	4.34%
Software & Computer Services	4.13%
Non-Renewable Energy	3.78%
Technology Hardware & Equipment	3.21%
Personal Care, Drug & Grocery Stores	2.90%
Industrial Support Services	2.39%
Managed Funds	2.22%

Country	Weight
United Kingdom	31.76%
United States	25.88%
Japan	6.31%
Cash and Equiv.	6.02%
France	3.92%
Germany	3.21%
Switzerland	2.88%
Managed Funds	2.45%
Netherlands	2.30%
Canada	1.35%

Data policy - All information should be used for indicative purposes only. You should independently check data before making any investment decision. HL cannot guarantee that the data is accurate or complete, and accepts no responsibility for how it may be used. Prices provided by Morningstar, correct as at 29 May 2020. Data provided by Funds Library, correct as at 30 April 2020.

You can buy or sell holdings in this fund through an ISA, Lifetime ISA, SIPP or Fund & Share Account

⁴ If you elect to receive the income from a Vantage ISA or Vantage Fund & Share Account, we will collect any dividends for you and then pay them directly into your bank account within the first 10 working days of the following month.

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Stephen Walker
Manager start date	01/01/2013
Manager located in	N/A