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Synergy Markets

Managed Portfolios

Model portfolios managed by BlackRock.
Advice from Synergy Markets.

For clients who do not want to make every investment decision themselves, Synergy can recommend a suitable portfolio from the Transact – BlackRock Model Portfolio Service (MPS).

Speak to the investment adviserRead about Investment Advice first

How it is reached

Advice-led.
Recommended for you by Synergy.

Investing with risk in mind.

Owning many different investments is not the same as spreading risk. A portfolio can hold dozens of funds or shares and still depend on a few underlying forces, such as the direction of share markets, interest rates or one region’s economy, so that much of it rises and falls together.

BlackRock constructs portfolios around different risk profiles. Each portfolio in the range aims for a different level of risk, measured by how much its value is expected to rise and fall over a year. BlackRock sets each portfolio’s mix across a broad range of markets and asset classes with that aim in view, reviews it quarterly and, in normal market conditions, rebalances it at least twice a year to help keep it on target.

Spread by holdings

Many different investments. They can still share the same underlying risks, and fall together.

Built around risk

A mix of markets and asset classes, set and rebalanced with the portfolio’s overall level of risk in view.

Because investing isn’t simply about what you own. It’s about understanding the risks you take.

A target is an aim, not a limit: a portfolio’s ups and downs can be larger than intended. Every portfolio can fall in value, and diversification may not protect you against losses.

Three firms.
Three distinct roles.

Synergy Markets

Your investment adviser

Advises you, recommends a portfolio where one suits you, and periodically reviews whether it remains suitable. Where it is not suitable, we will say so.

BlackRock

The investment manager

Constructs and manages the model portfolio.

Transact

The investment platform

Holds and administers your investments; the arrangement is implemented and rebalanced through it.

Investment management
by BlackRock.

BlackRock decides how each model portfolio is invested within its risk profile, making changes as markets and its investment views evolve.

The investment manager

BlackRock®

BlackRock® is a registered trademark of BlackRock, Inc. © 2026 BlackRock, Inc. All Rights Reserved.

The range

Seven risk-graded model portfolios, from Growth 25 to Growth 95. The further along the range, the greater the exposure to equities.

Seven portfolios.
One personal recommendation.

Growth 25

21.23% equities

Bonds 67.56% · Alt 2.30% · Cash 8.90% · Fund costs 0.17%

Factsheet ↗

Growth 40

33.42% equities

Bonds 59.22% · Alt 2.41% · Cash 4.95% · Fund costs 0.18%

Factsheet ↗

Growth 50

45.61% equities

Bonds 49.88% · Alt 2.51% · Cash 2.00% · Fund costs 0.19%

Factsheet ↗

Growth 60

58.71% equities

Bonds 36.58% · Alt 2.71% · Cash 2.00% · Fund costs 0.19%

Factsheet ↗

Growth 70

69.77% equities

Bonds 25.51% · Alt 2.71% · Cash 2.00% · Fund costs 0.19%

Factsheet ↗

Growth 80

83.85% equities

Bonds 11.23% · Alt 2.61% · Cash 2.01% · Fund costs 0.19%

Factsheet ↗

Growth 95

96.28% equities

Bonds 0.00% · Alt 1.71% · Cash 2.01% · Fund costs 0.19%

Factsheet ↗

Each model’s factsheet is published by Transact for the Transact – BlackRock MPS, and opens on Transact’s own site.

Asset-class weights and fund costs are BlackRock’s own published factsheet figures as at 30 September 2026, and change as the models are managed; breakdowns may not sum to 100% due to rounding, and fund costs — each model’s ongoing charges figure a year — vary by model and over time.

Want more detail?

Read the Transact – BlackRock MPS client guide for more information about the portfolios and how the service works.

Read the client guide ↗

What it costs, at a glance.

Your adviserSynergy
No separate Synergy initial advice fee. There is no charge for the initial conversation. If Managed Portfolios is suitable and you decide to proceed, Synergy does not charge a separate initial advice or onboarding fee for establishing the service.Annual Managed fee. 1.00% a year on the first £250,000, 0.75% on the next £750,000 and 0.50% on the amount above £1,000,000, calculated marginally. The normal minimum investment is £25,000.
Your investment platformTransact
Transact’s platform charge is banded, and it changes at £100,000. Under £100,000, Transact charges 0.50% a year on the first £60,000 and 0.26% on the rest; from £100,000, the whole portfolio is charged on a lower scale starting at 0.26%.Where Transact’s rules allow, and on request, the holdings of immediate family members can be linked for this purpose; Transact then works out its charge on the combined amount, which can mean a lower rate.
Investment management and fund costsBlackRock + underlying investments
Synergy’s fee is one part of the cost, not the whole of it. Transact’s platform charge, BlackRock’s investment-management payment and the funds’ own charges are added to it.For a General Investment Account in the Growth 60 model, the total comes to around 1.8% a year at £25,000, around 1.5% between £100,000 and £250,000, around 1.3% at £1,000,000 and around 1.1% at £2,000,000, using figures as at 30 September 2026 — totals that include the funds’ own transaction-cost estimates; separate dealing charges may apply and are not included.The example alongside shows every part at £100,000; Costs & Charges shows other sizes.

Before anything proceeds, you receive a personalised Costs & Charges illustration showing the applicable costs, in pounds and in percentages, for the amount you would actually invest.Nothing is implemented until you have seen it.

See all Managed costs and charges

What £100,000 costs — an example

£100,000 held in a General Investment Account (GIA) for a full year, following the Growth 60 model, with no money added or withdrawn.

Synergy’s Managed fee — your adviser
1.00%
£1,000.00
Transact platform charge — holdings on Transact of £100,000 or more
0.26%
£260.00
Transact GIA wrapper charge
£0.00
BlackRock — managing the model portfolios
0.06%
£60.00
Underlying fund charges — Growth 60, as at 30 September 2026
0.19%
£190.00
Underlying fund transaction costs — as at 30 September 2026
0.02%
£20.00
Illustrative total for the year
1.53%
£1,530.00

An example, not a quote. This example includes the underlying fund transaction-cost estimate shown above.Separate dealing charges may also apply when investments are bought or sold and are not included in this total; your personalised illustration shows them, and your own figures, before you decide anything.A different amount, account or model changes these figures — and so does family linking, because Transact’s charge depends on your total holdings with it, including any linked family portfolios.Transact’s charges are from its Charges Schedule of June 2026; fund charges change over time.

Your relationship remains with Synergy Markets.

Rosa wanted her investments professionally managed.

Rosa is an illustration, not a client.

Read Rosa’s story →

Every managed portfolio recommendation begins with an Investment Review.

Speak to the investment adviser →

Important information

Investments can fall as well as rise.

You do not contract with BlackRock directly, and BlackRock does not provide advice to you.

The model portfolios are managed by BlackRock Investment Management (UK) Limited, a firm separate from Synergy Markets with its own regulatory responsibility for them. Synergy Markets does not act, and is not authorised to act, as agent for BlackRock.

BlackRock® is a registered trademark of BlackRock Finance, Inc. and its affiliates (“BlackRock”) and is used under license. BlackRock makes no representations or warranties regarding the advisability of investing in any product or the use of any service offered by Integrated Financial Arrangements Ltd. BlackRock has no obligation or liability in connection with the operation, marketing, trading or sale of any product or service offered by Integrated Financial Arrangements Ltd.

BlackRock and Managed Portfolio important information →