We construct portfolios to meet our client’s objectives and agreed appetite for risk. Managing the expected returns of the mix of investments is key to our investment planning approach. We have a four stage process for managing our client’s money:
1. Fact Finding & Goal Planning
- Analyse Assets and Liabilities
- Establish Target Income / Capital and date(s) required Sum
- Establish any Specific Requirements – Ethical / Social
- Scenario Planning – Risk/Investment Inputs
2. Attitude to Risk & Asset Allocation
- Complete bespoke H&C Risk Questionnaire
- Discussion on the volatility of different investment assets
- Design a suitable mix of assets to generate expected/desired return
3. Tax Wrapper/Product & Fund Research and Monitoring
- Pension / ISA / OEIC / UT / Bond / EIS / VCT / Structured Product
- Investment Fund Selection
- Initial External Research Team – ‘fund filtering’
- Extensive Internal Fund research using risk weighted measures of return
4. Review Process
- We facilitate three different levels of ongoing service
- We monitor the investment recommendations
- Complete review of all our recommended funds on a regular basis
- We actively make ad hoc changes as and when required
- Rebalance assets to fit allocation model to maintain expected return
- Regular face to face reviews