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1 Wealth Management from NEWBY CASTLEMAN (FINANCIAL SERVICES) LIMITED 15236_GAM - Wealth Management booklet.indd 1 22/7/09 12:21:53

2 2 Contents Wealth Management with no upfront fees Wealth Management 2 Information Gathering 4 Risk Assessment 4 Management and Reporting 6 Portfolio Management 7 Income or Growth? 8 Reporting 9 The Administrative Platform 10 Fees 11 Portfolio Range 12 Contact 14 Whether you are a busy executive, balancing the demands of the home or enjoying your third age, you may feel unable to devote sufficient time to the management of your financial affairs. Many individuals find that they, over the course of their lives, acquire piecemeal investments in the shape of various pension arrangements, ISAs, other shares and insurance bonds. Maybe the professional who advised you isn t providing the service you expected and you feel you need to be more involved but do not have the time or intimate knowledge of markets and products to put things into a better shape _GAM - Wealth Management booklet.indd 2 22/7/09 12:21:53

3 We can help 3 The Greyfriars Asset Management llp Wealth Management Programme may be just what you are looking for. Essentially, this is an investment management service taking advantage of our many years experience in differing market conditions to package a risk graded portfolio management service which is equally adept at managing all of your non-cash assets (excluding directly held bricks and mortar) whether they be within your Pension Scheme, Individual Savings Account, Insurance Bonds or unfettered assets _GAM - Wealth Management booklet.indd 3 22/7/09 12:21:54

4 4 Information Gathering Risk Assessment The first stage in our process is to undertake a thorough factfind in which your current circumstances, aims and objectives are discussed. This will identify whether or not you are looking to grow your asset base, receive an income or a mixture of the two. Any significant items of expenditure or, alternatively, additions to your wealth inheritance, lump sum from pension schemes or asset sales will be recognised by the subsequent plan. The next and probably the most crucial aspect of the exercise is to ascertain the level of risk you are prepared to take. By looking at the historical volatility levels attaching to different asset classes, we describe five levels of risk in a common language so that both you as the client and we as your investment managers know exactly how much risk is to be undertaken. Once selected, our management service ensures the overall risk profile never exceeds the level of risk deemed appropriate until such decision is taken to amend the profile. This might happen, for example, at the point of retirement or following an 15236_GAM - Wealth Management booklet.indd 4 22/7/09 12:21:54

5 5 Inheritance Tax Planning exercise which reduces the overall asset base. We offer five risk graded portfolios which exactly match each of the profiles as defined (see page 12 for a full breakdown of each): Very Cautious Cautious Balanced Adventurous Aggressive This means that if you feel you fall into the adventurous category, then we would place your funds into our adventurous portfolio which will remain within the defined parameters. The five risk graded portfolios will be actively managed and, from time to time, without ever overstepping the risk boundary in an upward direction (from time to time, when we are cautious on markets, we may carry less risk than is allowed in any given portfolio) we will vary the exposure between different asset classes. The benchmarks will, in each case, use the appropriate IMA Unit Trust Sector average _GAM - Wealth Management booklet.indd 5 22/7/09 12:21:54

6 6 Management and Reporting At this stage in the procedure, existing assets are transferred on to a platform which enables us to manage a wide range of funds held in different wrappers. It will generally be necessary to transfer existing pension schemes, ISAs and other assets on to our platform utilising relevant vehicles made available for that purpose. Whether the money be within an ISA, pension, insurance bond or wholly unencumbered, the investment management process is imposed over all of the funds passed to our management in equal proportions. Outside the normal management of your overall portfolio, which might mean moving money from one individual wrapper to another (e.g. from the unencumbered portfolio into an ISA) this is how the portfolio will remain on an ongoing basis. The portfolio management service offered by Greyfriars Asset Management llp will ensure that the split between different asset classes remains appropriate and that changes are made within individual holdings to maximise performance within your stated risk profile _GAM - Wealth Management booklet.indd 6 22/7/09 12:21:59

7 Portfolio Management 7 Ignoring more esoteric investment areas, there are, essentially, four different asset classes to which you can expose your money. These are: Cash Property Fixed Interest Securities Equities The management function seeks to add value through exposure to what are considered to be the most attractive investment areas at any given time (asset allocation) as well as identifying specific funds that will out-perform the appropriate sector average (stock selection). Whilst much of your cash reserves may well be held outside the portfolio management function, Greyfriars Asset Management llp will create and manage your remaining portfolio within the parameters defined by your risk profile. We continually monitor both world markets and potential stocks with a view to adding value at the first level and stress test individual funds to ensure our stock selection provides maximum benefit _GAM - Wealth Management booklet.indd 7 22/7/09 12:21:59

8 8 Income or Growth? All of our risk graded portfolios will be managed centrally ensuring that when one investor s portfolio changes to reflect a move in market conditions, everybody else s portfolio moves as well. However, some clients will require capital growth whilst others will be looking for a certain level of income. All the portfolios are initially designed to produce capital growth in so far as growth, over the longer term, tends to out perform income and is generally more tax effective. However, on each of the risk graded portfolios, it is possible to have the natural income paid out to clients on a regular basis. The yields on the portfolios will differ and will be quoted at the time of investment but may well change as the underlying holdings are moved. Therefore, a preferred position may be for a client to decide on an appropriate level of withdrawal which will be paid out of the portfolio in equal instalments. The money to be paid out will be raised through disposing of individual assets within the portfolio. In rising markets, depending on where the bar is set, this is likely to mean the portfolios will grow despite the withdrawals whereas, in falling markets, the capital values will be hit but, ideally, by no more than the income that is otherwise accumulated _GAM - Wealth Management booklet.indd 8 22/7/09 12:21:59

9 Reporting 9 Whilst clients will be able to view their portfolios online and obtain a valuation at any given point, we will provide half-yearly reports and valuations together with a Market Commentary giving a background to the then current situation and a prognosis to support future strategy. Clients will enjoy at least one meeting with their consultant each year at which aims, objectives and risk profile can be re-visited as appropriate as well as giving an opportunity to discuss performance _GAM - Wealth Management booklet.indd 9 22/7/09 12:22:01

10 10 The Administrative Platform Whilst we are in sole control of the investment portfolios and wholly responsible for the management thereof, the administration is undertaken by an unconnected third party. This enables transactions to take place very much more quickly and enables Greyfriars Asset Management llp to benefit from economies of scale. The administrative platform is offered by Skandia Investment Solutions who have been chosen as they offer an extremely cost effective option with no initial charge incurred on buying OEICS and a very limited platform charge. Cost effective wrappers in the form of an Individual Savings Account, Personal Pension and Insurance Bond also exist. It is believed that Skandia Investment Solutions are one of the few administrative platforms that will maintain sufficient mass to survive longterm and were selected by Greyfriars Asset Management llp after a prolonged search which investigated a large number of alternative options _GAM - Wealth Management booklet.indd 10 22/7/09 12:22:01

11 Why our fees are amongst the best in the industry: 11 Greyfriars Asset Management llp makes no initial charge to place money onto its platform This, combined with the Skandia Investment Solutions ability to place money at no initial charge into most OEICS, means that the cost of entry into our managed portfolios is extremely attractive. Greyfriars Asset Management llp will charge a flat fee of 1% per annum for managing the portfolio which will be paid for from the portfolio, by cancellation of an appropriate number of units _GAM - Wealth Management booklet.indd 11 22/7/09 12:22:02

12 12 Portfolio Range 1: Very cautious portfolio 2: Cautious portfolio 3: Balanced portfolio Up to 10% in Equities Up to 30% in Fixed Interest Securities Up to 30% in Property Balance in Cash Benchmark % Money Market 40 Gilts 25 Property 25 UK Equities 8 International Equities 2 Up to 25% in Equities Up to 25% in Fixed Interest Securities Up to 25% in Property Balance in Cash Benchmark % Money Market 40 Gilts 20 Property 20 UK Equities 15 International Equities 5 Up to 60% in Equities Up to 25% in Fixed Interest Securities Up to 25% in Property Balance in Cash Benchmark % Money Market 5 Gilts 20 Property 20 UK Equities 40 International Equities _GAM - Wealth Management booklet.indd 12 22/7/09 12:22:02

13 13 4: Adventurous portfolio 5: Aggressive portfolio Up to 80% in Equities Up to 20% in Fixed Interest Securities Up to 20% in Property Balance in Cash Benchmark % Money Market 0 Gilts 15 Property 15 UK Equities 50 International Equities 20 Up to 100% in Equities Up to 25% in Fixed Interest Securities Up to 25% in Property Balance in Cash Benchmark % Money Market 0 Gilts 10 Property 0 UK Equities 60 International Equities 30 Typically, all this exposure will be through pooled investment vehicles such as OEICS but, where thought appropriate, and where allowed by the administrative platform, other instruments such as Exchange Traded Funds and simple deposits may be used _GAM - Wealth Management booklet.indd 13 22/7/09 12:22:02

14 Newby Castleman (Financial Services) Limited is an appointed representative of Greyfriars Asset Management LLP which is authorised and regulated by the Financial Services Authority. The value of investments, and the income produced there from, can fall in value as well as rise. Sometimes, this can be very marked. For further information please contact Matthew Raine at: Newby Castleman (Financial Services) Limited 110 Regent Road Leicester. LE1 7LT Telephone Fax _GAM - Wealth Management booklet.indd 14 22/7/09 12:22:02

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