Our investment process starts with assessing your individual needs. We assess your objectives of the Client both in the short and the long term, in order to better understand the investment products and funds that might be appropriate.
We then carry out an assessment of the Clients’ attitude to investment risk. The degree of risk that a Client is prepared to consider is of course of great importance. There is a trade off between the level of risk that is acceptable and the expected investment returns.
Asset allocation
The second part of the process is to suggest the appropriate asset allocation for you. The suggested asset allocation may include:
- Cash deposits
- Fixed interest investments
- Stockmarket investments
- Property investments.
We will take into account any specific requirements that you may have, and also any existing investments. No asset class can be expected to deliver the best returns over all time periods. Our recommendations to you will include exposure to multiple asset classes in order to spread the risk associated with investing in any particular sector.
Investment selection
We will then recommend the individual investment funds that we believe will fulfil your individual requirements. We spend a considerable amount of time researching the managed fund universe partly by quantitative methods such as data based research, and partly by qualitative methods, such as meetings with individual fund managers.
Initial advice is provided by means of a written report, suggesting specific investments and providing supporting documentation for the recommendations.
Implementation and Review
We will then arrange the establishment of an investment portfolio following agreement with you as to the initial make up of the portfolio.
We will then monitor the investment portfolio, and provide a statement and review on a periodic basis. The review will normally provide suggestions for any changes that are deemed appropriate. We will action any such changes following receipt of confirmation from you.
To find out more about our Investment Management process and services please contact us.
