Online Investments Ireland – Funds & Investment Accounts

Model Portfolios

Okay, lets agree on one basic statement before we get into the nitty gritty folks - people invest because they want to get the best return possible for their money at a level of risk they're comfortable with.

This might seem obvious enough, but we just want to be clear that the only reason we offer tools like the Morningstar Model Portfolios is to help you choose a diversified pot of funds that, in turn, can help you make money without going grey over night or losing precious sleep.

With the help of Morningstar, we've created five investor profiles, each with a unique model asset allocation based on things like a person's investment objectives, how long they want to invest for and how much risk they're prepared to take with their money.

These model portfolios are great place to start if you're new to investing or need a little help creating a well diversified portfolio - the most basic rule applied by professional investors.

What does your Model Portfolio look like?

First up, you need to work out which of the profiles reflects your personal situation most. If you're unsure, we've a nifty little questionnaire that can help point you in the right direction. What type of investor am I?

Once you've taken the questionnaire, simply click the profile you've been most closely aligned with and we'll show you how Morningstar envisage your ideal portfolio.

Your profile
Defensive Your risk profile -7.83% 3.0% 13.88% This portfolio has an expected nominal return of 3.0% The return fluctuates between -7.83% and 13.88%. Asset class split Close window Conservative Your risk profile -12.7% 5.1% 22.9% This portfolio has an expected nominal return of 5.1% The return fluctuates between -12.7% and 22.9%. Asset class split Close window Moderate Your risk profile -17.6% 7.1% 31.9% This portfolio has an expected nominal return of 7.1% The return fluctuates between -17.6% and 31.9%. Asset class split Close window Growth Your risk profile -21.3% 8.5% 38.3% This portfolio has an expected nominal return of 8.5% The return fluctuates between -21.3% and 38.3%. Asset class split Close window High Growth Your risk profile -24.7% 9.8% 44.4% This portfolio has an expected nominal return of 9.8% The return fluctuates between -24.7% and 44.4%. Asset class split Close window

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Morningstar Disclaimer

The Morningstar model portfolios are provided for your information by Morningstar. RaboDirect is not responsible for those model portfolios, and does not give any representation or warranty in relation to them.

The Morningstar model portfolios are based on information sources believed to be reliable, but RaboDirect cannot guarantee their accuracy or completeness and will not be liable for any loss you may suffer if you act based upon them. You should read RaboDirect's disclaimerand consider carefully the risks involved and your investment objectives before proceeding.

These bands have been calculated based on a number of assumptions and investors must be aware that it is possible for returns to fall outside these bands during any 12 month period.