For more information on the financial terms used in this page, please consult the glossary.
Multi asset funds can offer an off-the-shelf solution for investors looking for diversification of asset classes in one investment. These funds typically hold a blend of different investments because individual asset classes, such as bonds and company shares, can perform differently over time as market conditions change. Investing in a range of assets can therefore help insulate investors from the ups and downs that an individual type of asset can experience.
You need much less money to create a diversified investment with a multi asset fund than you do to put together your own
A ready-made solution to get professional diversification
Investment costs can be spread across large numbers of investors, which can help reduce fees
Fund managers can adjust the mix of assets to respond to changing market conditions
There are also risks and considerations with investing in multi asset funds:
For more information, please refer to our M&G Guide to multi asset investing.
At M&G Investments, multi asset investing is built on depth, flexibility and choice. With a long-standing heritage across asset classes and market cycles, we offer a broad range of multi asset solutions, including flexible outcome‑oriented strategies, and balanced and thematic portfolios, under a single, integrated investment framework.
This breadth of capability enables us to design solutions for a wide range of investor objectives, risk tolerances and portfolio requirements. Whether investors are seeking growth, income, diversification or more defensive outcomes, our multi asset strategies are actively managed and dynamically adjusted to respond to changing market conditions.
Our investment approach combines disciplined asset allocation, behavioural insight and fundamental research to understand how different sources of return and risk interact. This robust framework enables our specialist teams to identify opportunities, manage risk effectively and deliver consistent outcomes across market cycles, all backed by the scale, expertise and long-term perspective of M&G Investments.
While each fund differs in terms of its specific investment strategy, they can be grouped into different categories, according to their characteristics.
Our multi asset funds are what we class as 'stand-alone' funds. You can hold these funds individually, and not necessarily as part of a wider investment portfolio. Multi asset funds spread your money across different asset types so you don't have ‘all your eggs in one basket’, offering you an off-the-shelf solution if you’re looking for diversification in one investment.
Find out more about diversification in our handy M&G Guides.
This flexible, highly liquid (easily bought or sold) strategy aims to generate positive returns in all market environments, using tactical asset allocation, behavioural insights and active risk management to navigate changing conditions.
Core solutions offering a balanced mix of equities and fixed income to deliver diversified, steady growth across market cycles.
A focused range of multi asset strategies targeting specific outcomes – such as income or sustainability – through active asset allocation and behavioural insights.
Before selecting funds you should read an up-to-date version of your chosen fund's 'Key Documents': Key Investor Information Document (KIID), Prospectus and, for funds with sustainability characteristics or with a sustainability label, the Consumer-Facing Disclosure (CFD). These can be found on each fund page and provide important information to help you understand the funds.
Like with any investment, you should carefully consider if multi asset investments fit with your personal aims and objectives before investing. Importantly, you should also check that the profiles of the funds match your own investment timeframe and appetite for risk and reward. You can find out more about the risks you need to consider before investing in our Key Investor Information Documents (KIIDs).
Once you’ve chosen your fund(s), the next step is deciding which investment product you’d like to hold them in. You can invest in multi asset funds through our full range of products – ISAs, Junior ISAs, OEICs and Savings Plans – depending on your goals and circumstances.
If you already know which fund and product are right for you, and have spoken to a financial adviser (if you have one), you can take the next step whenever you feel ready. Getting started is easy.
The views expressed on this webpage should not be taken as a recommendation, advice or forecast. We are unable to give financial advice. If you are unsure about the suitability of your investment, speak to your financial adviser.
The value of investments will fluctuate, which will cause prices to fall as well as rise and you may not get back the original amount you invested.
M&G Investment Management Limited (MAGIM), M&G Alternative Investment Management Limited (MAGAIM), M&G Securities Limited (MGSL) and M&G Financial Services Limited (MGFS) are registered in England and Wales under numbers (936683, 2059989, 90776, 923891) respectively. The registered address of MAGIM, MAGAIM, MGSL, and MGFS is 10 Fenchurch Avenue, London, EC3M 5AG. MAGIM, MAGAIM, MGSL, and MGFS are authorised and regulated by the Financial Conduct Authority (“FCA”) under numbers 119328, 122011, 122057, 122058 respectively.
