How our ready-made funds adapt to market shifts

We explain how our ready-made funds, managed by Aviva Investors, adapt to market movements to keep investors’ money on track.

Published: 08 Jan 2026

Key points

Aviva Investors keep an eye on global events and adjust your investments to help keep things on track.
Spreading investments across different assets can help cushion the impact of market volatility.
Our flexible approach means we aim to invest your money to best handle whatever the market throws at it.

When markets are unpredictable, it's natural to wonder how your funds are performing. Our MAF Plus funds (part of our ready-made fund range) are designed to adapt to changing conditions, aiming to help your money stay on track even when markets get bumpy. In this article we explain the methods our fund managers use to adapt to market shifts.

Tactical asset allocation

Our investment experts actively manage our ready-made funds using a strategy called tactical asset allocation. This simply means they don’t just invest money and forget about it. Instead, our investment experts keep a close eye on what’s happening in the world –- like changes in interest rates, government policies, or shifts in the economy - and adjust our fund’s mix of investments when needed.

This hands-on approach helps our funds to stay resilient, aiming to deliver steady returns. Investors don’t need to worry about making these decisions themselves – our team does it for them.

Please note that even actively managed funds can fall in value, so you may get back less than you originally invested.

Diversified and risk-managed

Our MAF Plus funds invest across a wide range of assets, including shares, bonds and more, as well as in different regions across the world. This mix is carefully chosen to match investors’ comfort with risk and to help smooth out the ups and downs of the market. If one area isn’t doing well, others might help balance things out.

Our experts regularly review and adjust this mix, so our funds stay aligned with your goals - even during uncertain times. Getting this balance right may help to build a successful, long-term investment.

Confidence in volatile times

We know that markets can be volatile, and recent world events have shown that. But our funds are built to adapt. By staying flexible and making smart adjustments, we aim to manage your investments and help them grow, no matter what the market throws our way. By staying flexible and making smart adjustments, we also aim to reduce the impact of any dips in markets on your investments.

Remember while we'll do our best to look after your investments in our fund, it's important to regularly review your portfolio to make sure your investments still align with your goals.