Managing Your Portfolio

When recommending and managing which funds we feel you should invest into, of vital importance is ensuring that you are invested in a range of assets that are suited to your attitude to risk. This is achieved through our asset allocation and risk profiling processes.

Asset Allocation

What is it?

Our asset allocation process is where we recommend which assets we believe you should invest in depending on your personal needs and your attitude to risk. As no one single asset class will perform consistently, it is vital that you maintain a balanced portfolio.

How does it work?

Market Analysis - We analyse and scrutinise market data to help make accurate predictions on future market outcomes.

An example of a portfolio’s asset allocation

Utlising Professional Contacts - We consult with our extensive list of professional contacts to help determine what the future might  hold for the markets.

Tailor Made – Your individual financial needs and risk profile, along with a detailed breakdown of your assets and liabilities, can enable us to build you a tailored investment strategy for the long-term.

What if my financial needs change?

We appreciate that as times change, so do your financial circumstances. In this instance, we will advise you on any changes we feel should be made to your portfolio via regular contact and review meetings.

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Risk Profiling

What is it?

Before any recommendations can be made, we will need to determine the level of risk you are willing to take with your investments. There is no such thing as a ‘risk free’ investment and as an investor you will need to assess the level of risk you are prepared to tolerate, in consultation with our expert advisers.

How does it work?

We wont risk your money on the throw of a dice

Risk Profile - We will ask you to complete a Risk Profile Questionnaire. This helps to determine the type of investor you are (Defensive, Intermediate or Progressive) and your ‘attitude to risk’.

Meeting your needs - Any advice given will be based around your attitude to risk, as well as your personal needs. For example, if you are an ‘Adventurous’ investor, we are likely to recommend a wider range of funds in equities. However, if you are a ‘Cautious’ investor, we will focus more on capital protection and fixed income.

Proof in the Pudding - Through our use of Morningstar research software, we are able to show you at any one time whether your investment portfolio is in line with your attitude to risk.

What if my risk profile changes?

We understand that changes in your personal circumstances may lead to changes in your attitude to risk. Should there be a change in your risk profile, any advice given will reflect this accordingly. You will be able to discuss your on-going needs with your advisor at regular face-to-face meetings.

The value of your investment can go down as well as up and you may get back less than you have invested.

Just a quick message to say a huge 'Thank You' for taking the time to 'conference call' us today to reassure us & give us all that information & guidance regarding Rob's American Optical Pension Plan. We are happy now, that we are making the right decision to take the benefit as a monthly income for life.

You always explain things in such a way that makes it all makes sense.

- Christine & Rob, Private Clients