Our Investment Philosophy

Our aim is to maximise the returns our clients receive on their investments, by avoiding unnecessary risk, improving returns through fund selection and asset allocation and we look to make clients’ portfolios more tax efficient.

Many of our clients do not want to take investment risk or are able to achieve their objectives without doing so and such clients often hold their assets in cash or near cash form. However, in most cases the strategy we design will often require the construction and management of an investment portfolio.

We believe any investment strategy should take into account time horizons for investment and acceptable levels of investment risk. It should also provide for regular reporting on investment performance and agree the criteria against which that performance is to be judged.

We offer two approaches. In either case the portfolio is professionally constructed by a combination of statistical analysis and market research, with the aim of producing optimal investment returns over time, at any given level of investment risk.

Before implementing any strategy we will discuss both approaches with our client and establish which, or what combination, is appropriate in their specific situation.

Discretionary Investment Management

• The selection of investments are delegated to one or more third party investment managers
• We provide the manager with a clear picture of our client’s situation, the appropriate level of investment risk and the investment return which is to be targeted
• The manager creates the portfolio, manages it on a day-to-day basis and has discretion to change investments as deemed appropriate
• We regularly monitor performance against pre-agreed criteria and report back to our clients during regular review meetings
• We retain full control of the client’s overall strategy and all associated tax planning

This approach means the portfolio is created and monitored on a daily basis by a specialist manager. It enables a broader range of investments to be selected and purchased at the lowest possible cost.

Advisory Investment Management

• We design and construct the portfolio ourselves
• The portfolio is only reviewed at set times (at intervals agreed with our client) at which point changes to investments are discussed and agreed with the client
• We retain full control of the overall strategy and all associated tax planning