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Wealth Management

Successful investing can be one of the most difficult but rewarding aspects of managing your money, and could dramatic affect your future standard of living.

Risk assessment

The first and most important parts of our process is to understand your experience of investments and how much risk you are willing to undertake, which is done using psychometric profiling. We have found this to be a reliable way of ensuring that we understand your views. This forms the basis of recommending suitable investments for you.

Choosing the right tax wrapper

The next major step is to make sure that your money is held in the investment that will cost you the least tax both now and in the future. For example if you save into a cash deposit account you can usually get a greater return by using an ISA and the same applies to investments: Unit trusts and other collective funds can also be held in a range of tax free investments.

We understand and recommend the full range of tax wrappers to ensure that your money is working as efficiently as possible.

We don’t select funds

With over 5,000 UK funds and 55,000 global mutual funds to choose from the choice is overwhelming. No single investment house has a monopoly of skills and using just one manager is inherently risky because many fund managers fail to deliver consistently good performers.

It is virtually impossible for all but the largest financial companies to monitor and select from so many funds. So if your IFA fancies themselves as a “fund picker” ask yourself if you are really getting the best service, or should you be dealing directly with a fund management house.

We use a range of Portfolio Services that invest in a diversified range of specially selected funds from a wide range of investment managers. The aim is to add an extra layer of diversification by delegating its management to individuals who have proven experience in a particular area. Portfolio Services are backed by huge research teams dedicated to selecting the best investments for you.

It is also vital that changes in the market or the fund do not change the risk profile of the fund. You don’t want to see your cautious fund become more risky over time. For this reason we only choose funds that have a stated objective of controlling the risk at a specific level that we can match to your risk profile.

Using a wealth platform

The majority of your investments are placed on our Wealth Platform. The word ‘platform’ is used to describe a place where a variety of different investment related processes and activities can be conveniently carried out, using the latest technology.  You find out more about how our Wealth Platform can benefit you:

Larger investments

For larger investments (typically £250,000 or more) or for those requiring a bespoke investment service we can recommend a portfolio manager who will tailor a portfolio to your individual requirements. The portfolio will most likely include direct holdings of shares and Gilts to keep the cost down, as well as collective holdings like unit trusts.

Whichever option is right for you we will always offer you the option to keep your investments under regular review. You can take a look at our Service Options here.


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