MyFolio Core: why discipline matters in turbulent times

Asset allocation is key

MyFolio Core was deliberately built on the same long-established, multi-asset process that underpinned MyFolio Managed. This is a process that has been applied across multiple market cycles, refined over time, and supported by robust governance and research frameworks.

Strategic asset allocation remains the anchor. Tactical positioning is applied selectively and proportionately. Underlying funds are selected using the same disciplined research approach that has been central to MyFolio for more than a decade.

MyFolio Core was never about starting again. It was about ensuring that a proven process was positioned in a way that made sense for advisers and clients in today’s market.

Completing the MyFolio spectrum

The transition to MyFolio Core also reflected a broader objective: to create a clearer, more complete MyFolio range.

Today, the MyFolio offering spans:

This structure is intentional. It allows advisers to select an approach that best aligns with client preferences around cost, implementation and active risk. It also retains a consistent risk-rated framework and governance philosophy across the spectrum.

Within this context, MyFolio Core sits deliberately in the middle: combining discipline and transparency, with active decisions that can add value.

Design intent meets real-world markets

The first year of MyFolio Core has unfolded against a challenging and often uncertain market backdrop. Shifting interest-rate expectations, ongoing inflation uncertainty and periods of heightened volatility across equity and bond markets have tested portfolio construction and decisions.

In that environment, the benefits of a clearly defined role and a disciplined process have been evident. Rather than reacting to short-term market noise, portfolios have been managed in line with their strategic objectives and risk profiles.

This consistency is not accidental. It reflects the same principles that have guided the MyFolio range for many years: diversification, proportional decisions and a long-term perspective.

The benefits of a balanced approach

Performance over the past year reinforces the role MyFolio Core is designed to play within the wider MyFolio range. Positioned between the fully passive MyFolio Index portfolios and the more actively positioned MyFolio Multi-Manager solutions, Core’s hybrid approach has delivered a balanced return profile. It has participated in the market upside, while maintaining discipline through more challenging periods.

Performance Data: Share Class Institutional Acc GBP. Source: Aberdeen. Basis: Total Return, NAV to NAV, UK Net/Gross Income Reinvested. 

To see important information, risks and full performance details about each fund in the MyFolio Core range, click through to the Monthly Fund Report from fund numbers I to V on the top row of the above table. 

For advisers, this supports the use of MyFolio Core as a central, risk-rated solution – one that has demonstrated its ability to deliver competitive outcomes, without departing from its long-term philosophy. 

Consistency as a deliberate outcome

One of the clearest observations from the past year is that consistency is a feature of design, not a by-product of markets. This matters to advisers. A portfolio that behaves as expected supports clearer client conversations, more robust suitability assessments, and greater confidence through periods of uncertainty.

MyFolio Core was designed to deliver that consistency. It sits clearly within the MyFolio range, applying a time-tested process, and maintaining a steady focus on long-term outcomes rather than short-term market moves.

As MyFolio Core enters its second year, it remains focused on delivering disciplined, risk-aligned outcomes for advisers and their clients.