The mix of funds in each Starting Option is decided using Modern Portfolio Theory where, based on historical data, returns are optimised for set levels of risk. The actual funds are selected on the basis of cost, how well the fund tracks its index, and the reputation of the fund provider.
Fund selection is reviewed annually, and, if necessary, adjusted at the end of each calendar year.
For more information on the funds, the Key Investor Information Document (KIID) for each fund can be found in the app, or by selecting each fund on our fund range page.
Please remember that Moneybox does not offer financial advice and that it is your responsibility to ensure that the funds and your asset allocation are suitable for your own personal circumstances.