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What is our Portfolio Management service?
This is an annual review service which enables us to service
your investment portfolios, so that they do not become too risky over
time, or under perform. We first establish the risks you are prepared
to take; we then discuss this with you an build a portfolio to maximise
returns while managing the risks.
Each year we prepare a report on your portfolio which shows
how the funds have performed, and makes recommendations for action
to rebalance the risk, and switch funds where appropriate. This should
enable you to make the most of your investments.
Our philosophy is to enable you to have the maximum access
to investment funds so that you can choose from among the best in
each sector. Over time, our aim is to generate superior returns
for your money.
Our Portfolio Management service will:
- Help you to understand the investment process
- Aim to prevent disappointment with your investments
- Aim to keep you on track towards your investment
goals
- Manage investment risks
- Monitor investment performance
- Recommend when to switch funds
The ultimate aim of Portfolio Management is to maximise
your investment returns, while managing the risks you take.
Types of investment clients
- The accumulator
Some people want to build up funds to provide for income in later
life. They can usually afford to take calculated risks with their
money, to achieve better long-term returns. The Portfolio Management
service aims to help you to realise your goals more efficiently.
- The income generator
Many investors want to use their investments to fund their lifestyle,
commonly in retirement. The Portfolio Management service aims to
help to ensure that you do not take too much risk with your capital
so that the portfolio is not eroded too quickly.
- The consolidator
Most people have various assets built up in a haphazard way over
time. The Portfolio Management service aims to help you to streamline
this administration and bring your investments back on track towards
your goals.
- The goal seeker
Some clients have a specific goal to reach, such as to pay off
the mortgage, or to provide for education expenses. The Portfolio Management
service allows you to keep this on track with confidence without
nasty shocks at a later date.
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How does the Portfolio Management service work?
- Investment wrapper
We first help you to find the correct investment wrapper, whether
this is an investment or pension etc; we can then place an investment
portfolio into this wrapper.
- Setting goals
We help you to set goals for your funds, whether for capital
growth or income.
- Risk analysis
We run through a comprehensive risk profiling exercise, where
you answer questions on your investment expertise and the risks you
are prepared to take with your money.
- Model portfolio
We then discuss this with you to construct your model portfolio and
take your instructions in particular areas. Each investment allows you
to take as little or as much risk as you want. We will recommend
a spread of investment funds so that you can manage the risks from year
to year.
- Investment funds
We then recommend investment funds from the most suitable in each sector.
We do this with our comprehensive analysis tools, which look
at past performance, fund charges, ratings on future performance, and
information ratios which show the quality of fund managers. This data
is presented to you in an easy to follow format, so you can understand
this methodology.
- Review
Each year we prepare a report for you, which gives you a valuation of
funds, recommends the rebalancing of your portfolio to manage risks,
and commentary on the performance of individual funds, with recommendations
to hold or switch where appropriate. We then hold a meeting with you
if required, to discuss our reasoning and involve you in the process.
Click here to download the Portfolio
Management brochure.
Click here to contact us about the Portfolio
Management service.
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