Outcome driven portfolios
Objective-led portfolios designed to support growth, income and evolving client needs throughout every stage of life.
Portfolio Solutions Aligned to Real Client Goals
Aristo Capital’s portfolio suite is designed to support advisers seeking flexible, investment solutions intended to support goals-based financial planning.
Our portfolios address three core investment objectives: long-term capital growth, income generation, and a blend of both. This approach seeks to match client strategies to their actual financial needs at every stage of life, rather than relying on generic risk labels.
Tailored Portfolios for Distinct Outcomes
Every client is unique, so Aristo offers a structured range of portfolios that align to clearly defined objectives:
- Growth Focus: These portfolios focus on investments with the potential to increase in value over time. They are likely to invest funds that contain businesses that are expanding into new markets, developing innovative products and services, benefiting from long-term economic trends, or seeking to grow earnings faster than the broader market. The objective is to achieve long-term capital appreciation, making these portfolios potentially suitable for investors with longer time horizons who are comfortable accepting short-term market fluctuations in pursuit of greater long-term growth potential.
- Income Focus: These portfolios focus on investments that can provide a regular level of natural income, while still offering the potential for capital growth over the longer term. They are likely to include holdings in more established businesses with proven business models, strong cash flows and a track record of paying and, in many cases, increasing dividends over time. Alongside other income-producing assets, such as bonds, these investments seek to generate a sustainable income stream while providing limited scope for capital appreciation and rising income levels in the future.
- Natural Income: These portfolios seek to provide a balance between capital growth and income generation. They typically invest in a blend of growth-oriented assets and more established income-producing investments, creating the potential for both long-term capital appreciation and a rising income stream over time. This approach may appeal to investors who want their investments to continue growing while also benefiting from regular income distributions, helping to balance current income needs with future wealth accumulation.
Aristo Capital portfolios are structured around six clearly defined profiles aligned to equity exposure, intended to support advisers in assessing portfolio options against a client’s objectives, risk tolerance and capacity for loss.
| Profile | Equity Exposure | Key Characteristics | Indicative investor profile |
| Aristo 20 | Low | You prioritise lower volatility and a more defensive allocation, recognising that capital remains at risk. | May be appropriate for investors with a shorter investment horizon, lower tolerance for volatility, or more limited capacity for loss. |
| Aristo 35 | Low to moderate | You prefer a defensive foundation with a touch of equity exposure for gradual real returns, keeping fluctuations limited. | May be suited for cautious investors seeking modest long-term growth potential but wanting to avoid significant ups and downs. |
| Aristo 50 | Moderate | You appreciate a balance between growth assets and defensive holdings, aiming for moderate risk and return. | May be considered for medium to long-term investors comfortable with moderate levels of volatility. |
| Aristo 60 | Moderate to High | You seek growth while retaining some defensive exposure, willing to accept moderate to high risk and return for potentially greater rewards. | May be appropriate if you’re a medium to long-term investor who can tolerate moderate to high volatility. |
| Aristo 80 | High | You favour a greater allocation to equities, targeting long-term capital growth and accepting higher risk. | May be appropriate for investors with a high tolerance for volatility and sufficient capacity for loss. |
| Aristo 100 | Maximum | You are focused on high growth, embracing the greatest level of equity exposure and accompanying volatility. | May be appropriate for investors with a very long-term horizon and a strong tolerance for significant volatility. |
How Aristo Delivers Results
Each portfolio in the Aristo range is built around a transparent, well-defined investment objective. The range is structured to support advisers in considering portfolio options alongside the client’s objectives, mandate, risk tolerance and capacity for loss.
Whether the objective is capital accumulation, income generation or decumulation, advisers can identify a portfolio with an appropriate risk profile for further consideration in the context of the client’s individual circumstances, investment objectives, time horizon and capacity for loss.
This objective-led framework is designed to support clients throughout different stages of their financial journey. As a client’s circumstances, objectives or income requirements change, they may transition between portfolios that are better aligned to their evolving needs. For example, a client may initially favour a growth-focused portfolio while accumulating wealth and subsequently move to a portfolio with a greater emphasis on natural income generation as retirement approaches. This approach enables advisers to select investment solutions that remain aligned with a client’s financial objectives at different stages of life, while maintaining an appropriate level of investment risk.
Supporting Adviser-Client Engagement
Clarity of purpose within each portfolio helps clients understand their investments and remain focused on long-term outcomes, even during periods of market volatility. This transparency supports better client understanding and more consistent decision-making during periods of market volatility.
With Aristo, Advisers’ clients benefit from ongoing monitoring and reviews, assessing whether a portfolio continues to meet its intended purposes such as generating sustainable income, limiting volatility, or supporting capital preservation objectives.
Aristo Capital’s framework gives Advisers a range of portfolios tools to support a range of Adviser-led financial planning that evolve with client needs. By aligning portfolios to clear financial goals, you can offer objective led solutions – focused advice at every stage of your client’s journey.
Fettered, Partially Fettered and Unfettered Investing
At Aristo Capital, all of our portfolios are managed on an unfettered basis, giving us the freedom to select investments from across the market.
A fettered portfolio invests solely in a provider’s own funds or investment solutions. A partially fettered approach combines these proprietary investments with selected third-party funds, providing greater choice while retaining some reliance on the provider’s own products.
An unfettered approach removes these restrictions. It allows us to consider a broad investment universe, including funds, investment trusts, exchange-traded funds and other eligible investments, selecting those we believe are most appropriate for the objectives and investment strategy of each portfolio.
For Aristo, this independence is important. We do not manage proprietary funds that we are incentivised to include within our portfolios, nor do we receive additional revenue from the underlying investments we select. Our revenue comes from the transparent management fee paid for managing our portfolios.
This means our management fee may not always appear as low as that of a provider that also receives revenue from its underlying funds. However, we believe this provides a clearer and more transparent relationship: our investment decisions are driven by what we believe is right for the portfolio, rather than by a requirement or financial incentive to use our own products.
