Our Portfolio

Designed for Universal application

CT Universal MAP and CT Sustainable Universal MAP ranges provide low-cost active multi-asset options for a host of financial planning scenarios.

Launched from November 2017, the CT Universal MAP range offers risk-controlled portfolio options designed to cover a host of client growth and income needs.

The CT Sustainable Universal MAP range joined the line-up in December 2019, offering sustainability-orientated active multi-asset investing.

CT Universal MAP Range

OCF 0.29%

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RSMS Fund Range
Risk Controlled
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Defined volatility parameters and CPI+ return expectations for five portfolios, ranging from Defensive to Adventurous, facilitates alignment between recommendation and individual attitudes and objectives.
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CT Universal MAP Income Fund

OCF 0.29%

Risk Controlled
Multi asset research
Targeting a natural income of 4-4.5% per annum within a defined volatility range, the fund is an option for cautiously minded, yield focused investors.

CT Sustainable Universal MAP Range

OCF 0.39%

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Risk Controlled
Multi asset research

Sustainability-orientated active multi-asset funds – ideal for the growing number of individuals that, alongside meeting their financial goals, want to make a positive impact on the world through their investment decisions.

For 35 years, CT has been innovating and building a growing range of ESG orientated and client focused solutions.

Let's talk about risk

Capital is at risk. The value of investments and any income derived from them can go down as well as up as a result of market or currency movements and investors may not get back the original amount invested. Screening out sectors or companies may result in less diversification and hence more volatility in investment values. Past performance should not be seen as an indication of future performance.

Fund Literature

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Fund Literature

CT Universal MAP Range
CT Sustainable Universal MAP Range
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Fund Literature

CT Universal MAP Range
CT Sustainable Universal MAP Range

Risk ratings

Funds
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Universal MAP Defensive
3
3
2.3 (3)
21-44
2
Universal MAP Cautious
4
4
3.1 (5)
45-54
5
Universal MAP Balanced
5
5
4.0 (7)
55-60
7
Universal MAP Growth
6
6
4.6 (8)
64-75
8
Universal MAP Adventurous
7
8
5.3 (9)
76-100
10
Universal MAP Income
5
5
3.7 (6)
61-63
7
Sustainable Universal MAP Defensive
3
3
2.3 (3)
21-44
2
Sustainable Universal MAP Cautious
4
4
3.1 (5)
45-54
4
Sustainable Universal MAP Balanced
5
5
4.0 (7)
55-62
7
Sustainable Universal MAP Growth
6
6
4.5 (8)
63-75
8
Sustainable Universal MAP Adventurous
7
8
5.4 (9)
76-100
9

Data as at Q4 2022

Meet our experts

We believe our competitive advantage arises from our ability to consistently deliver innovative solutions. Our executive leadership oversees specialised teams singularly focused on providing those solutions.

Simon Holmes
Director, Multi Strategy Investments
Read full bio
Simon Holmes
Simon Holmes
Director, Multi Strategy Investments

Simon Holmes is a Director and Portfolio Manager in the Multi-Asset team. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since September 2007. Simon has experience across credit, foreign exchange, fixed income, equities and alternatives. In previous roles, Simon has worked at McKinsey & Co., Salomon Smith Barney, Barclays Capital and Daiwa, after starting his career at Tokyo-Mitsubishi in 1996. He has a BSc (Hons) in Natural Sciences from the University of Durham and an MBA from INSEAD Business School. He is also a CFA charterholder.

Paul Niven
Head of Asset Allocation (EMEA)
Read full bio
Paul Niven
Paul Niven
Head of Asset Allocation (EMEA)
Paul Niven is Head of Asset Allocation (EMEA) at Columbia Threadneedle Investments. He is also Fund Manager for the F&C Investment Trust. Paul joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 1996. He has worked in Asset Allocation and Investment Strategy since 1999, after undertaking a fund management position in Pacific Basin Equities. Paul has had responsibility for the management of Multi-Asset mandates within the group since 2002 (including large portfolios for insurance clients) and is Chair of the Investment Policy Group. He is responsible for strategic and tactical portfolio construction as well as manager selection across a variety of institutional mandates. Paul graduated from the University of Strathclyde with a BA (Hons) in Accounting and Economics, obtained an MPhil in Finance, and is a member of the UK CFA Institute.
Keith Balmer
Portfolio Manager
Read full bio
Keith Balmer
Keith Balmer
Portfolio Manager

Keith Balmer is a Director and Portfolio Manager within the Multi-Asset Investment team. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 2016. He was previously a Director at BlackRock within their multi-asset division and Man Group working with AHL the systematic managed futures manager. Keith graduated from Exeter University with a BSc (Hons.) in Mathematics with European Studies.

Steven Bell
Chief Economist, EMEA
Read full bio
Steven Bell
Steven Bell
Chief Economist, EMEA

Steven Bell is a Managing Director, responsible for providing macro strategy input to a broader range of multi asset investment portfolios. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 2013. He joined the group having run the GLC’s Global Macro programme for the previous seven years. Before that he was Global Chief Economist and Investment Head of the UK multi asset business at Deutsche Asset Management during his tenure 1984 – 2005. Steven began his career as an Economic Adviser at the UK Treasury and has degrees in economics from the London School of Economics and Stanford University, California.

Simon Holmes
Director, Multi Strategy Investments
Read full bio
Simon Holmes
Simon Holmes
Director, Multi Strategy Investments

Simon Holmes is a Director and Portfolio Manager in the Multi-Asset team. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since September 2007. Simon has experience across credit, foreign exchange, fixed income, equities and alternatives. In previous roles, Simon has worked at McKinsey & Co., Salomon Smith Barney, Barclays Capital and Daiwa, after starting his career at Tokyo-Mitsubishi in 1996. He has a BSc (Hons) in Natural Sciences from the University of Durham and an MBA from INSEAD Business School. He is also a CFA charterholder.

Paul Niven
Head of Asset Allocation (EMEA)
Read full bio
Paul Niven
Paul Niven
Head of Asset Allocation (EMEA)
Paul Niven is Head of Asset Allocation (EMEA) at Columbia Threadneedle Investments. He is also Fund Manager for the F&C Investment Trust. Paul joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 1996. He has worked in Asset Allocation and Investment Strategy since 1999, after undertaking a fund management position in Pacific Basin Equities. Paul has had responsibility for the management of Multi-Asset mandates within the group since 2002 (including large portfolios for insurance clients) and is Chair of the Investment Policy Group. He is responsible for strategic and tactical portfolio construction as well as manager selection across a variety of institutional mandates. Paul graduated from the University of Strathclyde with a BA (Hons) in Accounting and Economics, obtained an MPhil in Finance, and is a member of the UK CFA Institute.
Keith Balmer
Portfolio Manager
Read full bio
Keith Balmer
Keith Balmer
Portfolio Manager

Keith Balmer is a Director and Portfolio Manager within the Multi-Asset Investment team. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 2016. He was previously a Director at BlackRock within their multi-asset division and Man Group working with AHL the systematic managed futures manager. Keith graduated from Exeter University with a BSc (Hons.) in Mathematics with European Studies.

Steven Bell
Chief Economist, EMEA
Read full bio
Steven Bell
Steven Bell
Chief Economist, EMEA

Steven Bell is a Managing Director, responsible for providing macro strategy input to a broader range of multi asset investment portfolios. He joined Columbia Threadneedle through the acquisition of BMO GAM (EMEA) in 2021, having previously been with BMO since 2013. He joined the group having run the GLC’s Global Macro programme for the previous seven years. Before that he was Global Chief Economist and Investment Head of the UK multi asset business at Deutsche Asset Management during his tenure 1984 – 2005. Steven began his career as an Economic Adviser at the UK Treasury and has degrees in economics from the London School of Economics and Stanford University, California.

Our Thinking​

4 December 2023
Macro

Unemployment is now the key to US rate cuts

Will rising unemployment mean the Federal Reserve cuts rates sooner rather than later? Steven Bell explains why we’re watching upcoming US data closely.
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Watch time - 5 min
27 November 2023
Macro

UK base rate cuts to be delayed following last week's Autumn Statement

The UK’s Autumn Statement partially relieved the upward trend in taxes. But what does that mean for interest rates? Steven Bell explains why cuts in early 2024 now seem unlikely.
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Watch time - 5 min
24 November 2023
Macro

More constructive but still cautious on equities

US Inflation has come down a long way with no discernible worsening in the labour market. This leads us to be more constructive on US equities.
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See all

Sustainable Universal MAP Range Impact Report

In 2020, we engaged with 107 companies held in the funds and voted at 90 meetings. Key topics included engagement on labour standards, corporate governance and climate change.

  • Across the Sustainable MAP range, the top SDGs we aligned to were:
    • SDG 3 – Good Health and Well-being. Of the activity across the range which linked to SDG 3, the majority aligned with target 3.8 which calls for universal access to medicines and health-care
    • SDG 8 – Decent Work and Economic Growth. In particular, target 8.2 which focuses on boosting economic productivity through technological upgrading and innovation and; target 8.10 which aims for universal access to financial services
       
  • Engaged with a number of companies held in the funds including Smurfit Kappa and National Grid linking to SDG 13 – Climate Action. Worked with GlaxoSmithKline on its approach to executive remuneration
Download our full report

Why Columbia Threadneedle for low-cost multi-asset

CT Universal MAP redefines value through active multi-asset solutions and business support at a passive price point. Fund OCFs at 0.29%-0.39%.
Learn more