So, how do we make your savings work harder?
Our aim is simple – to maximise your returns, given the amount of risk you are prepared to take. We do this by investing ‘outside the box’ and exploring creative and innovative solutions.
Initially, we will spend time with you to make sure we understand your aims and circumstances. We will discuss the level of risk you are willing to take. It’s also important to consider when you may need the money, whether you require income or growth and the type of investments you are comfortable with.
At this point, we will then recommend one of three portfolio types:
In line with your attitude to risk, we will break down how your money should be invested into each of the main asset classes. These are typically:
- Cash/Fixed interest
- Fixed interest
- Commercial property/Infrastructure
- UK Equities
- Global Equities
- Emerging Markets
Within our service, we will also advise on the most suitable tax wrapper for your personal investments including ISAs, pensions, onshore bonds or offshore bonds and others.
We will then recommend a suitable fund or mix of funds for each asset class and across each relevant tax wrapper. Our individual fund selection will consider any specific criteria that you would like to place on the portfolio, e.g. ethical funds only, active or passive management etc.
Having assessed your attitude to risk, we will allocate your fund to a Multi-Manager or Model Portfolio fund which closely matches your profile. These types of funds invest in a number of other funds which means the risk is spread across a much wider range, and they can operate across a range of tax wrappers.
Crucially, fund managers will make changes to where the funds are invested, on a day to day basis, as they feel necessary, without requiring your prior approval. Such changes could be due to economic factors or because a fund has not performed particularly well. We carry out thorough due diligence to ensure that the fund managers we recommend for this service meet our own strict selection criteria.
As with Multi-Manager and Model Portfolio, a Discretionary Fund Manager (DFM) does not require your prior approval before making changes to a portfolio – they have the ‘discretion’ to manage the portfolio in line with your objectives and overall risk constraints. This means a portfolio can be changed quickly to react to sudden changes in the investment environment.
A DFM will often invest in an even wider range of instruments, such as individual equities, structured investments, investment trusts, private equity funds, hedge funds and cash deposits, as well as the usual managed funds.
You will receive you own bespoke portfolio, run by an expert fund manager, to meet your specific goals and objectives rather than the ‘sector average’. Due to the customised nature of discretionary management, the minimum investment required across all wrappers is typically £250,000.
Our role is to explore with you the best option to improve the value of your savings, whether you want to invest more, for longer, or improve the returns on your investments by selecting different funds or changing your level of risk. We will negotiate hard on your behalf to get you the best deal for your particular circumstances – and our advice is totally impartial as we have access to the whole of the market.
To understand more about our approach, you may also be interested in how our Investment Committee operates. And if you‘d like to make sure your investments are working as hard as they could be, contact us here for more information.