Keeping your savings safe is a challenge. Shares worldwide have suffered a torrid August. Worse still, autumn, a typically volatile period, lies ahead. With a return to recession looming for America, a fund that looks to protect your cash rather than taking major risks looks like the right bet.
A good example is the Troy CF Trojan Fund, which focuses on sheltering capital, says Mark Dampier at Hargreaves Lansdown. That means it has a naturally defensive stance, something we've favoured for some while. Manager Sebastian Lyon invests in equities, bonds, commodities and cash. As the fund's investments are spread across a range of assets, its performance returns have a low correlation to global equity markets.
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Troy CF TrojanFund top ten holdings
| ETFS Gold Bullion | 6.58% |
| ETFS Physical Swiss Gold | 5.98% |
| 1.7/8% UK Index-linked Gilt 2022 | 5.58% |
| 2.5% UK Index-linked Gilt 2020 | 4.26% |
| Singapore T-bills | 4.16% |
| 1.% Index-linked Treasury Gilt 2017 | 4.01% |
| British American Tobacco | 3.88% |
| US Treasury 1.375% inflation-linked bond | 3.75% |
| US Treasury 1.25% inflation-linked bond | 3.48% |
| Microsoft | 3.07% |
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Reeves delays cash ISA reform, but savers are not out of the woods yetThe chancellor has reportedly delayed plans to cut the cash ISA limit, which were set to be announced at Mansion House on 15 July, and will take more time to consult with the industry
