Invesco Monthly Income Plus (UK) Z Inc


March 2026
 
  • Square Mile rating
  • Yield
    5.91%
  • Risk of asset class
    1 2 3 4 5 6 7 8 9 10
  • Ongoing charges
    0.67%
    Transaction costs
    0.00%
    Total cost of investment
    0.67%

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026.


Overview

This fund generates income through investment predominantly into bonds and some dividend-paying equities. The level of income is not explicitly targeted and will vary depending on the market environment.

​Capital preservation is also important, with the managers looking to maintain the capital value of the fund over the market cycle. In the shorter term the capital value of the fund may vary.

 

Square Mile’s Expected Outcome

We believe outperforming the fund's composite index, 25% S&P iBoxx Sterling Non-Gilts Overall / 75% Bloomberg Pan-European High Yield Index GBP Hedged, on a rolling five year basis is a reasonable expectation.


Square Mile’s Opinion

Rhys Davies took over the management of this portfolio in January 2022 from the fund's prior longstanding manager, Paul Causer. We continue to believe that Mr Davies is the right man to take the fund forward whilst managing the strategy akin to how unitholders had become accustomed to under the previous management. 

The team's careful process, and in particular their emphasis on risk, identifies suitable value opportunities which have generated good long-term performance for the fund. However, investors should note that these opportunities can take some time to play out and in the short to medium term, the fund's performance may differ substantially from that of the wider market.

The fund also benefits from the highly skilled, and well resourced wider fixed income and equity teams at Invesco. We see the experience, expertise and skills of the portfolio manager and broader team on which he can utilise, as one of the key benefits of this strategy.

Given the manager's focus on value, the fund is likely to have a slightly more volatile return profile than similar funds, tending to outperform when corporate bond markets are rising, but underperform when they are more challenged. The fund is likely to be suitable for investors who wish to access a relatively high income stream, with the potential for some possible capital upside, and who are prepared to hold the fund for medium to long time periods (at least three years).

The attraction of this fund is in the strong team and the application of a high conviction, valuation aware approach to fixed income investing. Whilst returns may differ from the wider market at times, over long term time periods, investors have been rewarded for the patience they have had to display over shorter time periods.


Fund Manager’s Formal Objective

The fund aims to achieve income and capital growth over the medium to long term. The fund invests at least 80% of its assets globally in corporate and government debt securities (including investment grade, non-investment grade and unrated), as well as shares or other equity related securities of companies. The fund manager may consider it appropriate to also invest in other transferable securities, money-market instruments, collective investment schemes (including funds managed by the Invesco group), deposits and cash.

Income UK
Active 25% S&P iBoxx Sterling Non-Gilts Overall / 75% Bloomberg Pan-European High Yield Index GBP Hedged
Fixed Income IA Sterling Strategic Bond
5.91% £2,027M
Ciaran Mallon, Rhys Davies, Samir Patel January, February, March, April, May, June, July, August, September, October, November, December
1.9 Pounds Monthly
GBP 12/11/2012
1.9 Pounds 30/04/2025
0.00% -
- -

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026

 
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Invesco Monthly Income Plus (UK) Z Inc
 
 

Asset Manager Overview

Based in Henley-upon-Thames, Invesco is one of the largest investment management groups in the UK and is part of the Invesco Ltd Group (founded in 1973), a leading global investment manager listed on the New York Stock Exchange. 

Invesco's specialised investment teams manage investments across a comprehensive range of asset classes, investment styles and geographies. They focus on client needs globally, whilst retaining a close proximity to ensure a strong relationship. Invesco hold a long-term strategy for both their clients and their own business. The company offer strategies across the full spectrum of asset classes, and can be tailored directly to the needs of their clients. As well as equities, bonds and real assets, Invesco also have multi-asset strategies and liability-driven investments. Invesco UK (previously Invesco Perpetual) manages assets on behalf of individual clients, fund platforms, nominees, pension funds and corporate institutions. 

Fund Manager/Team Overview

The fund is managed by Rhys Davies, who is based in Henley and has been a member of the team since 2003. Mr Davies is a fund manager and senior credit analyst and has been managing money since 2014. He became co-manager of this fund in August 2020. Ciaran Mallon continues to select stocks for the majority of the equity component of the fund, which he has contributed to since October 2013. Mr Mallon has been a member of the UK Equity team since he joined Invesco in 2005 and is a seasoned UK equity investor. Effective as of March 2nd 2026, Samir Patel will be added as a co manager alongside Mr Davies and Mr Mallon. Mr Patel has held a number of credit analyst roles, including at Lazard and Oppenheimer, and joined Invesco in 2018. In addition, the managers can draw upon a team of credit, equity and risk analysts, as well as the wider vast resources of Invesco. 

Investment Philosophy & Process Overview

The team's investment philosophy is built upon the premise that markets are mostly efficient, but also present opportunities. This may be due to markets overshooting, moving prices away from fundamental value, because of the different objectives of investors, or their constraints. The managers attempt to exploit such inefficiencies through fundamental analysis with a strong emphasis on valuation, assessing potential risk vs potential return across fixed income markets and equity markets (max.20%). The process is designed to be flexible and can change depending on market conditions, recognising that different risk factors drive markets at different points in time.

The investment process combines four elements: macroeconomic analysis, fundamental company analysis, value assessment and risk considerations. First is the top-down economic analysis, seeking to understand the macroeconomic environment which enables the team to make informed forecasts of future conditions. This work focuses on the path of interest rates and trends in the pricing of risk. These views then form the foundations for the positioning of the fund, including asset allocation, interest rate sensitivity, yield curve positioning and corporate credit risk.
 
Having decided how they want to be positioned from a broad risk perspective, the managers then turn their attention to bottom-up stock selection. At this stage, they assess whether a company can meet its obligations in terms of interest and principal repayment of debt. Various measures are examined, including the extent of a company's gearing, its earnings and its financing costs, with an emphasis on how these measures are evolving through time. This should result in a thorough understanding of risk, enabling the managers to create a portfolio where they look to maximise returns from acceptable and well understood risk exposures.
 
The third step in the process is to assess value, and to judge whether the potential returns of a security sufficiently justify the risks, both on an absolute basis and relative to cash, core government bonds, and the rest of the fixed income universe. This should enable the managers to identify and invest in the bonds which offer the best returns on a risk-adjusted basis, within the set parameters of the fund.
 
Finally, risk considerations are considered, analysing all holdings to allow for a comprehensive understanding of the risks involved to ensure diversification of the portfolio.

Mr Davies is responsible for the bonds in the portfolio and also makes equity allocations in instances where the equity of a company offers an attractive valuation relative to its bonds, as well as investing directly via index derivatives when broader equity markets are deemed attractive. A small additional portion of the equity allocation is managed by Mr Mallon and the fund can hold up to 20% in equities. Currency exposure is usually hedged to sterling. Derivatives may be used both for hedging and investment purposes.

 
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Invesco Monthly Income Plus (UK) Z Inc
 
 

ESG Integration

Fund ESG Integration

In the course of meeting companies and conducting research into the underlying securities in the fund, the team will assess any environmental, social and governance (ESG) factors which they believe could have an impact on a security's valuation or where they believe it is in the best interests of clients to explore such factors. Invesco has developed a proprietary tool, ESG Intel, where all the ESG related information provided by the research analysts is available for the portfolio managers and is used as an input into the decision to whether they should buy or sell a bond. 

 
 
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Invesco Monthly Income Plus (UK) Z Inc
 
 

Risk Summary

The fund's manager predominantly invests in fixed interest instruments, although the strategy can also hold up to 20% in equities. The flexible nature of the mandate means that different risks may dominate at different times. However, over time the major risks to the fund are likely to be credit risk, duration risk, and equity risk. The manager attempts to mitigate these risks through active credit analysis, asset allocation, and interest rate management. However, investors should be aware that those risks are always likely to be present. Equities can be significantly more volatile than bonds, though exposure is limited to 20% of the portfolio. The fund is likely to have a large weight in sub-investment grade credit, and if default rates increase, it is likely to have an adverse impact on the fund. Indeed, whilst any impact should be softened by the extensive credit research the team undertakes, there is always a possibility that a bond in the fund could default on its obligations. As the fund is well diversified, the impact of any individual bond defaulting should be relatively limited. Perhaps the biggest risk to an income-focused fund is not delivering income. Whilst the manager has done an excellent job of generating a steady, secure, and relatively high level of income over time, investors should be aware that the income on this fund is not guaranteed and could fall. Given this strategy has several moving parts, there will always be a variety of risks present. Ultimately, we believe the manager is capable of managing these varied risks in a manner which should benefit the investors in the fund.

 

Additional Information

7.27%
4.75%
-4.05%
5.33%
-2.18%
1.29
1.38

(3 years data to last month end unless otherwise stated)

Qualitative Risk Assessment

Significant Potentially Significant Not Significant

For the full summary of the risks, click here

 
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Invesco Monthly Income Plus (UK) Z Inc
 
 

3 Year Rolling Sector Outperformance

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 12th March 2026. Share price total return.

 

Maximum Drawdown (Rolling 12 Months)

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 12th March 2026

 

Calendar Year Performance To Quarter End

Period Fund (%) Sector (%)
2025 7.2 7.2
2024 5.9 4.4
2023 11.4 7.9
2022 -8.6 -12.0
2021 6.0 0.9

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 30th March 2026


Value for Money

The total cost of investment (TCI) of this fund is below the median for the peer group. We believe this fund offers good value for money to investors, given the strong team and the investment process which is both well thought-out and closely adhered to.

OCF v Peer Group

0.67%
Transaction Costs v Peer Group

0.00%
TCI v Peer Group

0.67%

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026.

 
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Invesco Monthly Income Plus (UK) Z Inc
 
 

Square Mile Analysts

Martin Ward - Senior Investment Research Analyst

Henry Wix-Pollard - Investment Research Analyst

Rating Changes

The Square Mile ratings are reviewed every 6 months. For full details on the methodologies, click here.
For a full list of all Square Mile rated funds, click here.

Rating Changes over last 12 months Time & Date rating changed
 

Disclaimer

This document is issued by Square Mile Investment Consulting and Research Limited which is registered in England and Wales (08791142) and is a wholly owned subsidiary of Titan Wealth Holdings Limited (Registered Address: 101 Wigmore Street, London, W1U 1QU).

Unless otherwise agreed by Square Mile, this factsheet is only for internal use by the permitted recipients and shall not be published or be provided to any third parties. This factsheet is for the use of professional advisers and other regulated firms only and should not be relied upon by any other persons. It is published by, and remains the copyright of, Square Mile Investment Consulting and Research Ltd (“SM”). SM makes no warranties or representations regarding the accuracy or completeness of the information contained herein. This information represents the views and forecasts of SM at the date of issue but may be subject to change without reference or notification to you. SM does not offer investment advice or make recommendations regarding investments and nothing in this factsheet shall be deemed to constitute financial or investment advice in any way and shall not constitute a regulated activity for the purposes of the Financial Services and Markets Act 2000. This factsheet shall not constitute or be deemed to constitute an invitation or inducement to any person to engage in investment activity. Should you undertake any investment activity based on information contained herein, you do so entirely at your own risk and SM shall have no liability whatsoever for any loss, damage, costs or expenses incurred or suffered by you as a result. SM does not accept any responsibility for errors, inaccuracies, omissions, or any inconsistencies herein. Unless indicated, all figures are sourced by LSEG Lipper (all rights reserved). Past performance is not a guide to future returns.

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