India model portfolio for growing income with medium risk

Who is it for: 
  • Investors looking for a growing income from their capital over the long term, and the prospect of capital growth.
  • However, investors must be able to afford for their income to fall and to lose some of their capital under a worst case scenario.
  • May be suitable for retired investors looking for long term income and capital growth during their retirement.
  • May also appeal to investors approaching retirement who can opt to reinvest their dividends until required.
What it looks like: 
Fund Role in portfolio
Artemis Global Income Invests in strong companies globally for income, has low UK content. View Factsheet
Man GLG UK Income Solid UK equity income performer. View Factsheet
Bankers Although classified as a global growth trust, it has a long record of annual dividend increases. View Factsheet
Henderson International Income Trust Excludes theUK and aims to grow its dividends over the long term. View Factsheet
Seneca Global Income & Growth Trust Fund of funds invested across a broad range of asset classes. View Factsheet
Foreign & Colonial A broadly diversified global trust with a long history of dividend growth. View Factsheet
Threadneedle UK Equity Income A stalwart UK equity income fund. View Factsheet
Why were these funds selected: 

The vast majority of this portfolio is invested in equities in order to achieve an increasing income and capital growth. However, added income is provided by the cautiously managed Seneca Global Income & Growth Trust. Its fund of funds approach is another source of diversification. Other core holdings in the portfolio are the middle-of-the-road UK equity income funds, Man GLG UK Income and Threadneedle UK Equity Income, both steady past performers. The remainder of the portfolio is invested in global funds. There are two global equity income funds - Artemis Global Income and Henderson International Income - with solid track records, and two global growth investment trusts – Bankers and Foreign & Colonial. Bankers pays a quarterly income. Although its yield is modest at below 3 per cent, it has a long record of growing its annual dividend. Foreign & Colonial also aims to grow its dividend year on year, and offers broad diversification.

Click here to view the live India portfolio factsheet

Where to get it: 

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  • Sell Invesco Perpetual Income

  • Buy Man GLG UK Income

    Adds more potential exposure to income shares.


  • Sell Premier Multi Asset Monthly Income

  • Buy Seneca Global Income & Growth Trust

    Will help the portfolio to grow its income over time.


  • Sell Newton Global Income

  • Buy Henderson International Income

    Aims to grow its dividends over the long term, tallying with the aims of the portfolio


  • Sell Fidelity Strategic Bond

  • Buy Premier Multi Asset Monthly Income

    More scope for growing income across a range of asset classes.

  • Sell Scottish Mortgage

    A relatively high risk global choice with a low yield.

  • Buy Foreign & Colonial

    Greater diversification helps reduce risk, while the trust also has a higher yield and history of dividend growth.


  • Sell M&G Optimal Income

    Falling yield has made fund less attractive for income seekers.

  • Buy Fidelity Strategic Bond

    Provides greater flexibility to invest in different types of bonds.

  • Sell Liontrust Income

    Change of objective from UK to global income and disappointing returns.

  • Buy Artemis Global Income

    Good international diversification with low exposure to the UK.



  • Sell Trojan Income

    Soft closed to new investors.

  • Buy Liontrust Income

    Appears well suited to benefit from rising equity markets.


  • Buy Bankers

    Classified as global growth trust but has long history of dividend increases. Aims for dividend growth above inflation.

  • Buy Invesco Perpetual Income

    Solid UK equity income performer.

  • Buy M&G Optimal Income

    Strategic, go-anywhere bond fund.

  • Buy Newton Global Income

    Provides international diversification and benefits from solid past performance record.

  • Buy Scottish Mortgage

    A high conviction global trust to provide growth and diversity.

  • Buy Threadneedle UK Equity Income

    Solid UK equity income performer.

  • Buy Trojan Income

    Aims to provide steady growth and income by investing in reliable companies.

Last updated: 
17 January 2018