YOU Asset Management is an award-winning investment manager with over 20 years’ experience working in partnership with financial advisers and individual investors.
Our investment solutions are built to sit at the core of long-term financial plans, globally diversified, multi-asset portfolios shaped by institutional-quality research and a robust, repeatable process.
Multi-Asset Blend Funds
Our Multi-Asset Blend Funds are designed to be the clearest expression of our investment philosophy—bringing together flexibility, active decision-making, and diversified access to global markets.
These Funds are actively managed by our experienced Investment Managers, under the stewardship of the YOU Investment and Asset Allocation Committee. This means we’re constantly monitoring markets and making informed decisions about where to invest—so you don’t have to.
Each Fund is “blended,” combining actively managed investments with index-tracking vehicles. This flexible approach allows our team to capture opportunities across asset classes, regions, and investment styles, while maintaining a high level of diversification.
There are four risk levels: Cautious, Balanced, Growth, and Adventurous. Each Fund has a clear long-term investment strategy, tailored to its risk profile. The higher the risk level, the greater the allocation to equities, and the lower the allocation to defensive assets like Fixed Income, Real Assets, or Absolute Return strategies.
By packaging this into a straightforward fund structure, we make it easy to access globally diversified portfolios that align with your long-term financial goals. A diversified portfolio packaged in a Fund structure has a range of benefits, which can be found here.
Model Portfolio Services
Using the same underlying investment processes behind our Multi-Asset Blend Funds we also manage three suites of Model Portfolio Services. YOU Asset Management has been offering Model Portfolio Services since 2004 and has an enviable track record of performance and industry awards. These services are available on a range of investment platforms.
These services benefit from our team’s institutional quality research process while staying within the constraints of investment platforms, so using only investment funds which are present on platforms and not holding any exchange-listed vehicles like ETFs.
Active
Our longest-running service, the Active Portfolios, are risk-rated from 03 (lowest risk) to 10 (highest risk). Each portfolio is shaped by our long-term Strategic Asset Allocation and fine-tuned through Tactical Asset Allocation decisions, reviewed monthly by our Investment Committee.
We build these portfolios exclusively using external active managers who aim to outperform the market, we can’t utilise index tracking vehicles in this range.
Enhanced Passive
Launched in 2013, our Enhanced Passive Portfolios offer the same asset allocation framework as our Active and Blend Funds. We offer the same risk levels of 03 to 10, but implemented purely with index-tracking funds.
These portfolios are designed to deliver market-like returns in each asset class, enhanced by our strategic asset allocation overlay, providing a cost-effective way to stay invested and diversified.
Ethical
Our Ethical portfolios, Cautious, Balanced, and Growth, are built using our core investment framework, with adjustments to focus on ethically aligned investments.
We select only asset classes and investment managers whose strategies reflect ethical values, using approaches such as exclusion (screening out certain sectors or companies) and positive selection based on ethical themes.
This focus can reduce the pool of available investments, but ensures a values-based approach while staying true to long-term financial goals.
Income
Designed specifically for income-seeking investors, this actively managed portfolio aims to deliver a consistent income stream, rather than maximising total return.
It’s diversified across asset classes and regions, but places more emphasis on managers with income-focused strategies. As a result, performance may differ meaningfully from our other portfolios, especially over shorter time frames.
