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Scottish American Investment Company / SAINTS (Baillie Gifford)Article1 Jul 2026Source: bailliegifford.com

SAINTS Valuation - 31 May 2026

In plain words

This is a valuation snapshot of an investment fund's holdings on 31 May 2026—what it owned and what those assets were worth, not a performance report. For everyday investors, the useful part is how the fund diversifies. Stocks make up nearly 90% of the portfolio, yet the largest single stock is under 5%. It also holds modest amounts of real estate (all in the UK) and bonds (spread across Brazil, Mexico and Europe). The takeaway: don't put all your eggs in one basket. Even if you favor stocks, keep any single company's share small. It's worth reading because this shows real-world diversification in action.

AI SummaryAI-generated · may contain errors · verify against the original

SAINTS (The Scottish American Investment Company P.L.C.) released its asset valuation report for the period ending May 31, 2026: listed equities totaled £844,350,324, representing 88.6% of total assets. The top five holdings were TSMC (4.8%), Apple (3.7%), Microsoft (2.9%), Analog Devices (2.4%), an

~10 min full read · 6 sections
Deep Analysis

This is an asset valuation snapshot as of May 31, 2026, not a performance report: there is no yield, benchmark comparison, performance attribution, or manager commentary; the only narrative content in the report is the derivative exposure note at the end pointing to the monthly factsheet.

Asset Structure: Equities 88.6%, Real Estate 9.2% as Second-Largest Holding, Fixed Income Just 2.1%

Asset Class Market Value (GBP) % of Total Assets
Listed Equities 844,350,324 88.6%
Real Estate 88,200,000 9.2%
Listed Fixed Income 20,106,941 2.1%
Net Current Assets 959,805 0.1%
Total Assets 953,617,070 100.0%

The portfolio is long-only (equities + real estate + fixed income + net current assets); this report discloses no short or hedge positions. As disclosed at the end of the report, the derivative-adjusted effective market exposure data is provided in the monthly factsheet.

Top Ten Holdings: Largest Single Position TSMC at 4.8%, Top Ten Aggregate ~28%, Overall Highly Diversified

Rank Holding Market Value (GBP) Weight
1 TSMC 45,302,323 4.8%
2 Apple 35,221,317 3.7%
3 Microsoft 27,311,982 2.9%
4 Atlas Copco A 24,589,408 2.6%
5 Coca Cola 23,917,882 2.5%
6 Procter & Gamble 23,250,682 2.4%
7 Analog Devices 22,948,618 2.4%
8 CME Group 22,570,506 2.4%
9 Roche 21,330,065 2.2%
10 Alphabet A 20,032,641 2.1%

Equity Portfolio Sector Distribution (Aggregated by the Analyst Based on Public Business Nature, Not the Fund's Disclosure Basis)

Semiconductors/hardware ~16%, software/internet ~16%, consumer ~19%, financials ~13%; these four together total ~64%, and the portfolio's core is global large-cap blue chips.

Sector (Analyst Aggregation) Holdings and Weights Subtotal
Tech Hardware/Semiconductors TSMC 4.8%, Apple 3.7%, Analog Devices 2.4%, Cisco 2.1%, Texas Instruments 1.6%, Mediatek 1.4% 16.0%
Software/Internet/IT & Payments Microsoft 2.9%, Alphabet 2.1%, NetEase 1.7%, Amadeus IT Group 1.6%, Edenred 1.6%, Accenture 1.3%, Jack Henry & Associates 1.3%, Carsales.com 1.2%, Intuit 0.8%, Paychex 0.7%, Wolters Kluwer 0.7%, SAP 0.4% 16.3%
Financials/Exchanges/Insurance CME Group 2.4%, Deutsche Boerse 2.0%, Partners Group 1.8%, Admiral Group 1.7%, United Overseas Bank 1.5%, B3 S.A. 1.3%, Hong Kong Exchanges & Clearing 1.0%, MSCI 0.9%, AJ Gallagher 0.5% 13.1%
Industrials/Capital Goods/Business Services Atlas Copco A 2.6%, Epiroc B 2.1%, Schneider Electric 2.0%, Watsco 1.8%, Fastenal 1.6%, USS Co 1.6%, Experian 1.0%, Valmet 0.9% 13.6%
Consumer (Food & Beverage/Personal Care/Retail/Restaurants/Apparel/Home Appliances) Coca Cola 2.5%, Procter & Gamble 2.4%, Midea Group A 1.9%, Pepsico 1.7%, ANTA Sports Products 1.6%, Nestlé 1.5%, McDonald's 1.5%, Starbucks 1.1%, L'Oréal Loyalty Bonus (non-tradeable) 1.1%, Home Depot 1.0%, AVI 0.9%, Diageo 0.7%, L'Oréal 0.7%, Fevertree Drinks 0.4% 19.0%
Healthcare Roche 2.2%, Novo Nordisk 1.6%, Coloplast 0.5%, Eurofins 0.4%, Medtronic 0.4%, Zoetis 0.1% 5.2%
Utilities/Infrastructure/Energy/Materials Terna 0.9%, Transurban Group 0.8%, EOG Resources 0.8%, Albemarle 7.25% Conv Pref 2027 0.7%, Albemarle 0.6%, Jiangsu Expressway Co 'H' 0.5%, Greencoat UK Wind 1.0%, Primary Health Properties REIT 0.4% 5.7%

The sector subtotals sum to 88.9%, a 0.3 percentage point difference from the fund's disclosed 88.6%, due to rounding. By rough listing-location estimate, US-related exposure is about 40%, Europe about a quarter, Asia about one-sixth, with the remainder distributed across Latin America (B3, Brazilian bonds), Oceania (Carsales, Transurban), and Africa (AVI, Ivory Coast bonds). L'Oréal totals 1.8% across two positions (ordinary shares 0.7% + loyalty bonus shares 1.1%, the latter being non-tradeable with restricted liquidity); Albemarle totals 1.3% across two positions (ordinary shares 0.6% + convertible preferred shares 0.7%).

Fixed Income: 10 Single Bonds, Each Position Weight Just 0.2%–0.3%, Emerging Market Sovereigns and Corporate Bonds Each Account for Half

The fixed income position is extremely light and highly diversified, predominantly long-dated bonds (maturities 2035–2048), including emerging market sovereign bonds from Brazil, Mexico, Ivory Coast, and others, as well as UK/European corporate bonds.

Bond Type Weight
Brazil 10% 01/01/2035 Emerging Market Government Bond 0.2%
Brazil CPI Linked 6% 15/05/2045 Emerging Market Government Bond (Inflation-Linked) 0.3%
Ivory Coast 6.625% 2048 (EUR) Emerging Market Government Bond 0.2%
Mexico 7.75% 13/11/2042 Emerging Market Government Bond 0.2%
Haleon UK Capital 3.375% 2038 Corporate Bond 0.2%
Heathrow Funding 5.875% 2041 Corporate Bond 0.2%
Nestlé Finance Intl 5.125% 2038 Corporate Bond 0.2%
Severn Trent 2% 2040 Corporate Bond (Utility) 0.2%
Tesco Corp Treasury Services 5.5% 2035 Corporate Bond 0.2%
United Utilities 5.875% 2039 Corporate Bond (Utility) 0.2%

Real Estate: All 9 Properties Located in the UK, Totaling 9.2%

Real estate is the second-largest asset class in the portfolio but is geographically concentrated in the single UK market; the largest single property is Pease Pottage in Crawley (2.1%).

Property Weight
Pease Pottage, Crawley 2.1%
Romney Sands, Kent 1.8%
Falcon House, Witney 1.6%
St Mellons, Cardiff 1.0%
Christchurch Rd, Ringwood 0.8%
Mumby Road, Gosport 0.6%
Parc Cybi, Holyhead 0.6%
Vale Street, Denbigh 0.5%
The Bull, Sevenoaks 0.2%

Fund Matters

SAINTS note: This table shows the market value of direct holdings and does not include the derivative-adjusted effective market exposure, which is separately disclosed in the monthly factsheet. This report does not disclose this month's buy/sell activity, fund size changes, performance data, or risk warnings.