Individuals, companies and trusts invest for a reason. It can be for income or growth or a combination of the two. It could be to fund a specific purchase at some point in the future. Whatever the reason it is important to take into account the objective, the timescale, the investor’s appetite for risk as well as the amount and the timing of the available investment monies.
Our investment process is based on a fixed core asset allocation approach, which is rebalanced on a quarterly basis.
Whether it’s invested for retirement or just for the future it’s about ensuring that the portfolio is continuously monitored and that we maintain regular contact with you to keep you updated about the funds you are invested in.
We have a maximum fund holding of 4% in anyone one fund, as such our portfolios contain on average around 40 funds. (Ethical and Deposit Portfolios hold fewer funds in greater proportions).
We also have a multiple funds within a sector approach both of these investment guidelines are with an aim to reduce any potential single fund overexposure and also reduce the volatility of each portfolio.
Within each sector our philosophy is to bring together funds representing different investment styles that complement each other and perform differently in different circumstances.
We look to have a maximum of one fund manager and one fund house per sector, again to reduce any investment house bias and overexposure.
We can help by:
- Collecting relevant facts to understand your current position and evaluating and adopting your existing arrangements.
- Establishing your financial objectives, tolerance to risk and required liquidity.
- Producing a financial plan.
- Establishing a suitable asset allocation to match your attitude towards investment risk.
- Identifying the most tax efficient wrappers and construct a suitable investment portfolio.
- Presenting your written financial report.
- Establishing any new arrangements and processing documentation.
- Monitoring and evaluation of original investment funds and Re-Balancing of the Portfolio to a core asset allocation quarterly.
The value of you investment can go down as well as up and you may get back less than you have invested.