We believe that investment should be easy for our clients to understand. If we can’t explain the workings of an investment to you, the client; then how can we justify holding it on your behalf.
We believe our clients want their investment portfolio to be easy to understand, capable of delivering the returns needed to support spending requirements and predictable in relation to what is happening in the real economic world.
We believe that cost and charges have a significant impact on investment returns and therefore seek and hold low cost investment structures on behalf of you, the client.
We carry out robust, global research, covering costs, performance and with good old common sense and logic.
We aim to deliver predictable risk-rated portfolios to our clients.
We start with you, the client, and your cash flow requirements:
At the end of the day, in some form or other, clients typically need their investments to deliver ‘cash to spend’!
By understanding how much money your investments need to provide for you to spend and when, we can build a portfolio aimed at delivering your lifetime cash flow requirements.
Based on the investment sums available and how much money you require from the portfolio to spend, we will discuss and agree how much investment risk you are willing to take and also the risk you need to take to achieve your objectives.
Regular reviews are critical and we review the portfolios at each client review and on a formal quarterly basis, rebalancing the portfolio back to the agreed asset allocation. This ensures the portfolio does not ‘drift’ over time and therefore remains in line with the agreed risk profile.
Cash flow needs
Whole of market review
Keep investment costs to a minimum
Identify and use the most efficient investment vehicles for minimising tax
Build a strategy
Buy and hold – we are long term investors
Regular reviews and rebalancing of the portfolio
Regular use of annual Capital Gains Tax allowances where appropriate