Actual Income is our home for articles and other media in which we examine and explain the prominent topics in our income fund managers’ minds. Here we give you insight into our research process and ultimately how we go about investing to offer a range of funds offering different mixes of sustainable income, capital protection and capital growth.

We believe that income investors should focus on the long-term robustness of their income stream, not just maximise the current yield on their portfolios. That’s why our research centres around the sustainability of cashflows in the companies in which we invest, and in particular how resilient a bond’s income stream will be in times of stress.

Focusing our research on the right questions helps us build resilient, genuinely diversified income streams for our clients. Is this balance sheet likely to improve through the cycle? How fast might a company’s dividends grow over the next 10 years? Can this country improve its foreign currency reserves? Ultimately – where will the cashflow come from to support the bonds and how secure is it?

Our investment philosophy across all asset classes allows us to offer strategies not only with differing income expectations, but also with varying volatility and total returns targets. What is common to all our income strategies is that they are intended to be long term solutions offering clients peace of mind. Our purpose is to provide income not just today and tomorrow but time after time.

The value of investments and any income from them may go down as well as up and you or your client may not get back the amount originally invested.