Capital at risk
Actual income
Discover how our income investment managers construct portfolios containing a variety of asset classes to seek your preferred balance of resilient income and capital growth.
Standing the test of time
By investing in dividend-paying equities, bonds and other holdings such as infrastructure and property, we aim to provide you with long-term resilient income.
Watch Jan Oliver explain our approach to building single-asset and multi-asset portfolios and their benefits.
What is Actual income?
We describe our task at Baillie Gifford as Actual investing: putting your capital to use in tangible, returns-generating activities. We believe it’s the right way to invest on your behalf over the long term. That’s why we apply the same philosophy to income.
Income comes in many forms, and it’s easy to lose sight of what matters. The allure of high short-term yields can be enticing but often proves deceptive in reality. It takes discipline to maintain a long-term mindset.
- We aim to ensure that your income lasts a lifetime.
- Actual income is the pounds and pence we deliver to you over time.
- Actual income is about dependability and resilience.
- Actual income is the natural income produced by investing in companies and countries preparing for the challenges of an ever-changing future.
- Actual income means long-term income, not short-term yields.
Asking the right questions
Focusing our research helps us build resilient, genuinely diversified income streams for you. The questions we ask include:
- 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 cash flow come from, and how secure is it?
Related insights
Related funds
We offer funds with differing income and capital growth expectations. But in all cases, we intend to provide you with long-term solutions. Our purpose is to generate income not just today and tomorrow but time after time.
Global Income Growth
Responsible Global Equity Income
The Responsible Global Equity Income Fund aims to achieve (after deduction of costs) growth in both income and capital over rolling five-year periods, while delivering a yield higher than that of the MSCI ACWI Index, over the longer term by investing responsibly.
Sustainable Income
The Sustainable Income Fund prioritises long-term sustainable income over high short-term yields. The fund combines active allocation across a broad range of assets with global security selection to achieve its aims: to produce monthly income, while seeking to maintain the value of that income and of capital in line with inflation (UK CPI) over five-year periods.
Investment Grade Bond Fund
The Investment Grade Bond Fund aims to produce attractive returns through combined capital growth and income payment whilst achieving a higher level of income than that earned from investment only in comparable UK government bonds.
Strategic Bond Fund
The Strategic Bond Fund aims to produce monthly income. Opportunities for capital growth are also sought, subject to prevailing market conditions.
High Yield Bond
The High Yield Bond Fund aims to produce a combination of income and capital growth.
Worldwide Sustainable Emerging Markets Bond Fund
The Baillie Gifford WW Sustainable Emerging Markets Bond Fund aims to deliver high, resilient income and attractive total return for its clients by lending responsibly to countries and companies that contribute to a sustainable future.
Explore further
If you have any questions about Actual Income or our income strategies and funds, please contact us.