Discretionary Service
In this increasingly complex and fast moving financial world, many investors do not have the time, inclination, or knowledge to develop and maintain a full understanding of the complexities of potential investments and financial markets. Our investment management service is an ideal solution for those who want to reap the rewards from long-term investing without having to be involved in the day-to-day decisions.
Personalised Service
Every client is allocated an investment manager who will work with you to understand your individual circumstances, clarify your investment objectives, attitude to risk, time horizon and take any specific stock instructions including any restrictions. We then devise an investment strategy that meets your objectives for total return on capital at an acceptable level of risk. We will then make the investment decisions for you, tailored to your own particular requirements.
Asset Allocation
A major contributor to meeting investment objectives is correct asset allocation. This consists of dividing appropriate proportions invested into equities, fixed interest, cash and alternative investments such as hedge funds, commodities etc. We use a structured approach to portfolio construction where we select the asset classes such as equities and fixed interest, determine the proportions in each of the classes, identify the appropriate geographical areas and markets and choose the specific sectors/stocks to invest in.
Investment Style
In general, we believe in buying investments and holding them for the long term. Our style is to take mainstream exposure to the stock market via core holdings in blue chips, and then to diversify with exposure to smaller companies and overseas markets through exchange traded funds. For risk-free and low risk income-producing investments, we look to AAA rated money-market funds and gilt-edged securities.
Research
We have an in-house research team that is responsible for making objective recommendations on asset allocation and stock selection. In aiming at decisions the team is assisted by access it has to data provided by leading investment houses and research on the UK and International markets from a variety of external sources.
Portfolio Review
Portfolios are reviewed quarterly to ensure they continue to achieve the client's goals. Face-to-face communication is important and meetings with your investment manager take place at least once a year to review performance and ensure that the instructions you have given us continue to reflect your circumstances. Your relationship manager can also be contacted at any time to deal with any queries you may have.
Reporting and Performance Analysis
Regular reporting is an important part of your relationship with us and comprehensive reports are sent every six months that include a valuation, cash statement and a performance analysis with a suitable benchmark.