Investment management. Tailor-made investment solutions

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Investment management. Tailor-made investment solutions"

Transcription

1 Investment management Tailor-made investment solutions

2 ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more than 9 billion on our clients behalf and pride ourselves on offering the very highest levels of professional client service with transparent, competitive pricing across our entire range of solutions. Whether you and your family would like to have your investments managed by us, require the support of a highly qualified adviser, prefer to make your own investment decisions or want to take more than one approach, we can help. If you need assistance with your financial planning, including retirement planning, we also have a nationwide team of experts available. We have won numerous awards including UK Wealth Manager of the Year 2013, Best Wealth Manager for Investments 2013 and Stockbroker of the Year 2013 as voted by readers of the Financial Times and Investors Chronicle. However, we draw greatest pride from the fact that our biggest source of new business is personal referrals from existing clients. Headquartered in Mayfair, London, we employ almost 400 staff across our network of offices, giving us full UK coverage, and we combine our awardwinning research and expertise to provide a personalised service to clients whatever their investment needs. We hope that we can help you and your family and look forward to welcoming you as a client. CONTENTS 3 Welcome Peter Hall CHIEF EXECUTIVE 4 Our investment management service 5 Our investment philosophy 6 Constructing your portfolio 8 Our investment universe 10 Client service and charges 11 Expertise you can rely on Best Wealth Mananger of the Year 2013 Best Wealth Mananger for Investments 2013 Past performance is not a reliable indicator of future returns. 2 Investment management

3 Welcome. In today s global investment markets, keeping up to date with relevant news from around the world can be difficult for even the best-informed investor. As a result, an increasing number of our clients choose to delegate some or all of the day-to-day responsibility for the management of their affairs to our team of investment professionals. This team combines a wealth of investment knowledge and expertise with a friendly and approachable attitude that never loses sight of the position of trust we are being placed in. THE KEY FEATURES OF OUR INVESTMENT MANAGEMENT SERVICE A personalised service where a dedicated investment manager will professionally manage your portfolio in line with your pre-agreed objectives Our investment managers carefully review market developments, drawing on the expertise of our research department to select the right investments for your portfolio On average our investment managers have more than 15 years industry experience so you can be sure the advice you receive is based on a deep understanding of the markets and best-practice solutions For those with more complex financial needs, we offer an individual financial planning service. Working in partnership with both you and your investment manager, your highly trained financial planner will design a strategy to define and achieve your lifestyle and wealth goals, including retirement, inheritance planning and taxefficient investments You will benefit from regular investment reviews and face-to-face meetings with your investment manager and financial planner to ensure your portfolio continues to meet your changing needs. tilneybestinvest.co.uk

4 Our investment management service Our investment management service has been designed to provide you with day-to-day professional management of your investments in line with a pre-agreed and regularly reviewed set of objectives. It enables you to delegate investment decisions to a known and trusted investment professional, safe in the knowledge that our sophisticated risk controls will ensure strict adherence to your needs. We have some of the most highly qualified and talented investment managers in the UK and they have been managing client portfolios for many years. When you choose Tilney Bestinvest, we aim to build a long-lasting relationship with you so your investment manager will begin by establishing a full understanding of your individual needs. This is the foundation for constructing a personalised investment portfolio that can meet those needs now and long into the future. Through regular investment reviews, we will ensure your portfolio remains suitable for you at all times and regular communication will ensure that you are fully informed of any change in our investment views. Whatever the future brings, you can be confident that your best interest is at the focus of everything we do. 4 Investment management

5 Our investment philosophy We believe consistently good investment performance requires a robust and disciplined process that is open and responsive to the needs of our clients. WE ARE ACTIVE ASSET ALLOCATORS We believe achieving the correct balance between the range of available asset classes is fundamental to producing superior risk-adjusted returns. At Tilney Bestinvest we invest a great deal of time and resource to the analysis of global economic and political events to help us determine the correct asset blend for all stages of the economic cycle. ASSET ALLOCATION SEEKING RISK ADJUSTED RETURNS A fully diversified portfolio smooths out returns over the long term. RETURN % Smoother Path WE BELIEVE IN THE PRINCIPLE OF DIVERSIFICATION We diversify portfolios across asset class, geography, region, sector, fund manager and single security. A typical portfolio will be constructed by combining different asset classes into a cohesive whole. Portfolios constructed in this way achieve the benefits of diversification by lowering volatility and risk associated with a single investment or investment type. Theoretical data for illustrative purposes only TIME Equities Diversified portfolio THE BENEFITS OF ASSET DIVERSIFICATION No one can predict which asset class is likely to be the best performer from one year to the next so it is important to spread your portfolio across a range of assets in order to increase exposure to opportunities, while also reducing risk WE PUT RESEARCH AT THE CENTRE OF EVERYTHING WE DO Higher Returns We believe better information leads to better decisions, from understanding our clients needs to analysing the available investment options. We employ a team of research analysts to identify, monitor and review investment opportunities across all major asset classes. Lower Returns WE DO NOT HAVE A STYLE BIAS We are always seeking the best source of risk-adjusted returns. For some clients, this is best achieved via funds and for others via individual equities. We have no bias to the use of funds, single securities or active and passive investments strategies. Each option is assessed on its merits and used in accordance with your needs. Corporate Bonds Cash Property Commodities Developed Equities Emerging Equities Government Bonds Hedge Funds Over an extended period equities tend to be the top-performing assest class. The value of your investment can go down as well as up and you can get back less than you originally invested. Source: Bestinvest WE ACTIVELY MONITOR RISK AT ALL TIMES Monitoring risk is crucial when managing a portfolio of investments. We ensure the level of risk taken is appropriate and remains consistent with your investment objectives, however volatile markets may become. Over many years, we have developed our own proprietary systems to assess volatility and monitor the risk we are taking when managing your portfolio. tilneybestinvest.co.uk

6 Constructing your portfolio Constructing a portfolio involves choosing a range of investments that will achieve your objectives at a level of risk that you are comfortable with. Key to this process is asset allocation. At Tilney Bestinvest, we use our in-depth knowledge of investments to create a portfolio that is individual to you. UNDERSTANDING YOUR NEEDS AND ANALYSING AVAILABLE INVESTMENT OPTIONS We work with you to identify your investment objectives and goals, and assess your attitude to risk. Together we will review all of your options and decide on the best way to achieve your objectives. For many clients, this part of the process includes consideration of your overall financial position in order to ensure optimum tax efficiency. BUILDING YOUR PORTFOLIO We use strategic asset allocation models as a framework for constructing your portfolio. These models are set by our Asset Allocation Committee, a senior team of investment professionals that regularly reviews the outlook for world markets and forecasts for individual asset classes. Portfolio models are then adjusted to align with your individual requirements. We have always believed that managing portfolio risk is best achieved through active asset allocation across equities, bonds and other asset classes. This top-down strategic overview is complemented by shorter-term tactical asset allocation to make the most of specific opportunities and guard against risk. The combination of strategic views and tactical tilts ensures that our clients benefit from our core investment themes as well as current best ideas. MONITORING PERFORMANCE AND CHANGING NEEDS Your investment manager will adjust your portfolio in line with our strategic and tactical asset allocation. This enables us to respond proactively to changes in market valuations. On a regular basis, we will review progress with you, ensuring that your portfolio continues to meet your needs. You will receive six-monthly valuation statements and can view your portfolio online at any time. EXAMPLE PORTFOLIO EXAMPLE PORTFOLIO ASSET ALLOCATION GEOGRAPHICAL EQUITY SPLIT CAPITALISATION EQUITY SPLIT Equities 42% High Yield Bonds 4% Quality Bonds 28% Other Assets * 21.5% Cash 4.5% UK 52% Europe 16.5% North America 17% Japan 4.5% Asia Pacific 7.5% Other 2.5% Large Cap 67.5% Mid Cap 20% Small Cap 12.5% For illustrative purposes only. * Comprised of hedge funds, commodities and property. 6 Investment management

7 AN ONGOING SERVICE 1 UNDERSTAND your needs What do you want to achieve? 5 MONITOR performance and changing needs Have your objectives changed? Research 2 ANALYSE available investment options What is your personal tolerance for risk and volatility? Are your objectives achievable within those tolerances? 4 IMPLEMENT recommended solution We make ongoing asset allocation changes in response to market conditions. 3 BUILD your portfolio We create the most efficient solution for you at the optimal level of risk necessary to meet your goals. tilneybestinvest.co.uk

8 Our investment universe Having agreed the most appropriate asset allocation, we aim to construct a balanced portfolio selected from the widest range of investments. INVESTMENT VIA FUNDS For many, the default investment option will be the use of collective investment vehicles. At Tilney Bestinvest we research the widest possible range of unit trusts, OEICs and investment trusts, seeking to identify those managers that consistently add value. We employ a range of sophisticated analytic tools to assist us in the manager selection process. Where we cannot identify active managers who consistently outperform their sector, we use investments that track the performance of the sector at lower cost such as index funds and exchangetraded funds. Investments via funds offer the following advantages: DIVERSIFICATION Funds offer diversification which reduces stock-specific risk. They make it easier to achieve international diversification, which is crucial in a global economy. EASY ACCESS Funds allow you to access investment strategies and asset classes that are not always available to private investors, such as hedge funds and emerging markets debt. TAX-EFFECTIVE Funds offer significant tax benefits. Unlike a private investor, fund managers can buy and sell shares without incurring Capital Gains Tax, so they can take profits and reinvest without having to worry about the tax implications. DIRECT INVESTMENT IN EQUITIES AND BONDS For those clients with sufficient capital, we offer the option of achieving their UK and international exposure to both equities and bonds through direct investment into the wide range of companies analysed by our research team. Investing directly will increase stock specific risk, a source of portfolio volatility, but has the advantage of: LOWERING COSTS Investing directly into single equities and bonds can reduce overall portfolio running costs. ALLOWING A MORE TAILORED INVESTMENT PORTFOLIO Direct investment into equities and bonds enables a tailored selection policy for individual client requirements. Examples of common requirements are exclusions of specific stocks or sectors for technical or ethical reasons, positive bias such as growth and recovery and also targeting of specific aspects of a market such as yield or, in the case of bonds, duration. INCREASED VISIBILITY Direct exposure to equities and bonds has the potential to provide immediate access to ideas that originate from our research process and tactical thinking. Our analysts meet regularly with many of the companies that we research and we have a strong track record with respect to direct investments in both equities and bonds. Many clients also appreciate the ability to see exactly what the underlying constituents of the portfolio are. ALTERNATIVE INVESTMENTS As well as the traditional asset classes such as equities and bonds, we will also consider hedge funds, commercial property and commodity funds. Alternative investments provide access to sophisticated investment strategies typically designed for institutional investors. These investments are often less restricted and offer greater freedom for experienced fund managers to capitalise on opportunities. Historically, alternative investments have also tended to have a lower correlation with the equity and bond markets, which has offered increased diversification. Please remember, the value of an investment and any income derived from it can go down as well as up and you can get back less than you originally invested. 8 Investment management

9 tilneybestinvest.co.uk

10 Client service and charges Our investment management service allows you to delegate the management of your portfolio to us. We will make all the day-to-day decisions and are fully responsible for performance. THE SERVICE OFFERS: A dedicated investment manager with whom you can build a long-term, trusted relationship Regular meetings to review progress The ability to check your portfolio online A tax report showing all gains, dividends and income received Statements every six months, with personalised commentary Proactive contact when there are major changes to legislation or when new opportunities arise WE CAN HELP WITH THE FOLLOWING TYPES OF ACCOUNTS: Pensions (SIPP, SSAS and corporate schemes) ISA portfolio management Personal (taxable) portfolios Joint portfolios Offshore bonds Offshore (Jersey) portfolio Charity portfolios Trust portfolios Companies/institutional portfolios Private OEICs FINANCIAL PLANNING For those with more complex financial needs, we offer an individual financial planning service. Working in partnership with one of our highly trained financial planners, we design a strategy to help you define and achieve your lifestyle and wealth goals, including retirement, inheritance planning and tax-efficient investments. CHARGES Tilney Bestinvest charges an annual management fee based on the value of your portfolio, and there is no initial set-up fee. Our charging structure ensures that our investment decisions are based on investment merits. 10 Investment management

11 Expertise you can rely on At Tilney Bestinvest, we offer advice you can trust from professionally qualified experts. Our investment managers have an average of more than 15 years industry experience so you can be sure the advice you receive is based on a deep understanding of markets and best practice solutions. But it is not just about time in the job our team has a commitment to broaden its skills and learn new ways to add even more value for our clients. Tilney Bestinvest is fully authorised and regulated by the Financial Conduct Authority. Our investment professionals are all Members or Fellows of the Chartered Institute for Securities and Investment. Many of our investment professionals have undergone additional training in specialist areas of finance to ensure our clients benefit from the best possible advice. tilneybestinvest.co.uk

12 NEXT STEP Call us on or tilneybestinvest.co.uk The Tilney Bestinvest Group of Companies comprises the firms Bestinvest (Brokers) Ltd (Reg. No ), Tilney Investment Management (Reg. No ), Bestinvest (Consultants) Ltd (Reg. No ) and HW Financial Services Ltd (Reg. No ) all of which are authorised and regulated by the Financial Conduct Authority. Registered office: 6 Chesterfield Gardens, Mayfair, W1J 5BQ. TBIMG IMPORTANT INFORMATION Please remember the value of all investments can go down as well as up. In particular, different funds carry varying levels of risk depending on the geographical region and sector in which they invest. This guide does not constitute personal advice and if you are in any doubt as to the suitability of an investment please contact us.

Managed Portfolio Service. Portfolio management to meet your investment needs

Managed Portfolio Service. Portfolio management to meet your investment needs Managed Portfolio Service Portfolio management to meet your investment needs ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years.

More information

Financial planning. A bespoke plan for your future

Financial planning. A bespoke plan for your future Financial planning A bespoke plan for your future ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years. We look after more than

More information

Investment Management Service

Investment Management Service Investment Management Service Provided by for About Bestinvest Since 1986, our commitment to helping our clients reach their financial goals has made us one of the most successful independent financial

More information

Online Investment Service. Helping you get the best out of your investments

Online Investment Service. Helping you get the best out of your investments Online Investment Service Helping you get the best out of your investments ABOUT US Tilney Bestinvest is a leading investment and financial planning firm that builds on a heritage of more than 150 years.

More information

Wealth management. Guide for private clients

Wealth management. Guide for private clients Wealth management Guide for private clients Contents 01 Welcome to Standard Life Wealth 03 Understanding your financial goals 04 Different goals, different approaches 07 What you can expect as a client

More information

Wealth management Guide for financial advisers

Wealth management Guide for financial advisers Wealth management Guide for financial advisers Wealth management 1 Contents 01 Welcome to Standard Life Wealth 03 Why choose Standard Life Wealth to work with? 04 How we aim to meet your clients financial

More information

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC

OUR SERVICES. private clients. CityAsset MANAGEMENT PLC CityAsset MANAGEMENT PLC OUR SERVICES private clients The value of investments and the income arising from them, can go down as well as up, and is not guaranteed, which means that you may not get back

More information

Estate planning and Inheritance Tax. Protecting your wealth for future generations

Estate planning and Inheritance Tax. Protecting your wealth for future generations Estate planning and Inheritance Tax Protecting your wealth for future generations Mayfair office, London ABOUT US Tilney Bestinvest is a leading UK investment and financial planning firm that builds on

More information

Investment Philosophy

Investment Philosophy Investment Philosophy Our unique approach to investment management puts you at the heart of everything we do Wealth and Investment Management Discover a new side to your personality: your investment self

More information

COMPANY OVERVIEW. Company Overview - 1

COMPANY OVERVIEW. Company Overview - 1 COMPANY OVERVIEW Company Overview - 1 The Rowan Tree The European Rowan tree (Sorbus aucuparia) has a long tradition in European mythology and folklore. It was thought to be a magical tree and give protection

More information

MANAGED PORTFOLIO SERVICE

MANAGED PORTFOLIO SERVICE When clients select our Managed Portfolio Service they expect us to take care of their wealth. Over the past decade we have been proactive and innovative in expanding our offering to meet the evolving

More information

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk

A simple solution to the investment puzzle. Multi-asset Funds. Ready-made investment funds matched to your attitude to risk A simple solution to the investment puzzle Multi-asset Funds Ready-made investment funds matched to your attitude to risk Contents Why Aviva Investors? 2 A simple solution to investing 3 Are these funds

More information

Discretionary Wealth Management

Discretionary Wealth Management Discretionary Wealth Management Specialist, Focused, Committed Using experience and expertise to invest for your future Contents 1 The practical importance of wisdom 2 Introduction to Discretionary Wealth

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

A Guide To DEFINED FOCUSED DISCIPLINED

A Guide To DEFINED FOCUSED DISCIPLINED A Guide To F I R S T T R U S T U N I T I N V E S T M E N T T R U S T S DEFINED FOCUSED DISCIPLINED W H A T I S A U N I T I N V E S T M E N T T R U S T? U I T F E A T U R E S A unit investment trust or

More information

THAMESIDE financial planning

THAMESIDE financial planning THAMESIDE financial planning OUR INVESTMENT APPROACH UNDERSTANDING INVESTMENT RISK An overview Thameside Financial Planning recognises the importance of working with you to understand, achieve and maintain

More information

CONSIDERING INVESTMENT RISK A guide to investing for your future

CONSIDERING INVESTMENT RISK A guide to investing for your future CONSIDERING INVESTMENT RISK A guide to investing for your future Award Winning Wealth Management CONTENTS 1 2 Introduction What does Investing mean? 05 07 3 Understanding your Needs and Requirements 08

More information

INVESTMENT UNPLUGGED WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER?

INVESTMENT UNPLUGGED WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER? WHY CHOOSE A DISCRETIONARY INVESTMENT MANAGER? WHAT IS DISCRETIONARY INVESTMENT MANAGEMENT? This is a service offered by professional investment managers for those with funds available for investment who

More information

Principles for investment success. We believe you will give yourself the best chance of investment success if you focus on what you can control

Principles for investment success. We believe you will give yourself the best chance of investment success if you focus on what you can control Principles for investment success We believe you will give yourself the best chance of investment success if you focus on what you can control Important information This guide has been produced for educational

More information

THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU

THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU THE COLLECTIVES PORTFOLIO SERVICE MADE FOR YOU THE COLLECTIVES PORTFOLIO SERVICE The Collectives Portfolio Service (CPS) is a discretionary investment management service, which invests solely in funds

More information

PORTFOLIO MANAGEMENT SERVICE

PORTFOLIO MANAGEMENT SERVICE FOR PROFESSIONAL ADVISERS PORTFOLIO MANAGEMENT SERVICE a well established owner-managed business committed to innovation to benefit our customers AN ESTABLISHED SERVICE YOU CAN TRUST When you entrust your

More information

private client managed portfolios

private client managed portfolios private client managed portfolios Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come

More information

Actively Managed Portfolio Service

Actively Managed Portfolio Service INVESTMENT MANAGEMENT Actively Managed Portfolio Service Bespoke Walker Crips We take pride in being one of the oldest independently owned companies in the City of London. Our predecessors first bought

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies MANAGER SELECT live your dream By Implementing Sophisticated Investment Strategies Maximize the Value of Your Assets Your Total Wealth Management Strategy Full-time professional supervision Disciplined

More information

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification Stifel CONQUEST Portfolios PORTFOLIO STRATEGY The Washington Crossing Advisors Stifel CONQUEST Portfolios seek to add value by actively allocating assets among U.S. equities, bonds, commodities, and foreign

More information

Private Wealth Management

Private Wealth Management Private Wealth Management 1 Cazenove European Fund About us Cazenove Capital Management provides a comprehensive and independent wealth management service. We believe that this independence is fundamental

More information

THE ORBITEX DIFFERENCE

THE ORBITEX DIFFERENCE ORBITEX CREATES FINANCIAL SOLUTIONS FOR DISCERNING CLIENTS ORBITEX Financial Services Group is a financial services firm providing clients worldwide with a full range of investment opportunities, including

More information

PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY

PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY PREMIER PORTFOLIO MANAGEMENT SERVICE INVESTOR GUIDE FOR CLIENTS OF PROFESSIONAL FINANCIAL ADVISERS ONLY 2 Premier Portfolio Management Service Investor Guide WELCOME Neil Birrell Chief Investment Officer

More information

INVESTMENT MANAGEMENT. Investment Management Services

INVESTMENT MANAGEMENT. Investment Management Services INVESTMENT MANAGEMENT Investment Management Services World class team JLT Investment Solutions employs over 60 people. Our entire focus is on investing our clients money. We are based in Exeter, Bournemouth,

More information

GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how

GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how GUIDE To INVESTING At Intrinsic our approach to investment advice is based on clearly understanding your financial situation, your goals, and how much risk you are prepared to take with your money. 2 GUIDE

More information

A personal approach to financial planning. Welcome to Towry. www.towry.com

A personal approach to financial planning. Welcome to Towry. www.towry.com A personal approach to financial planning Welcome to Towry www.towry.com I have been advised by Towry for approximately six years and have been delighted by the highly personalised service they provide.

More information

Sophisticated investments. Simple to use.

Sophisticated investments. Simple to use. Russell LifePoints INSTITUTIONAL TARGET DATE FUNDS Sophisticated investments. Simple to use. INVESTED. TOGETHER. Now your default option can be your best option. If your target date funds are projected

More information

Model Portfolios Supporting your investment proposition

Model Portfolios Supporting your investment proposition For Intermediary use only Model Portfolios Supporting your investment proposition June 2016 Debbie, Platform Proposition team 2 Model Portfolios Supporting your investment proposition Are you a looking

More information

Wealth Management Service

Wealth Management Service Wealth Management Service About AGL Wealth Management Ltd AGL Wealth Management Ltd is a firm of Independent Financial Advisors authorised and regulated by the Financial Conduct Authority. Our senior management

More information

Premier Private Client Portfolio

Premier Private Client Portfolio Premier Private Client Portfolio Available through Lighthouse Group LIGHTHOUSEGROUP Whether seeking a steady income stream, strong long term capital growth or a combination of both, finding a portfolio

More information

Your Complete Investment Solution taking care of you...

Your Complete Investment Solution taking care of you... investment funds Your Complete Investment Solution taking care of you... Introduction New Ireland is one of the leading providers of investment solutions within the Irish market today. We offer a range

More information

Moody s Analytics Solutions for the Asset Manager

Moody s Analytics Solutions for the Asset Manager ASSET MANAGER Moody s Analytics Solutions for the Asset Manager Moody s Analytics Solutions for the Asset Manager COVERING YOUR ENTIRE WORKFLOW Moody s is the leader in analyzing and monitoring credit

More information

Your investment choices made easy

Your investment choices made easy Your investment choices made easy PathFinder guide The Fidelity PathFinder range An easy way to invest Our PathFinder range is exclusively available to customers of Fidelity s Personal Investing service.

More information

Equity and Fixed Income Funds The London & Capital Managed Series of UCITS IV Funds

Equity and Fixed Income Funds The London & Capital Managed Series of UCITS IV Funds Equity and Fixed Income Funds The London & Capital Managed Series of UCITS IV Funds 1 Equity and Fixed Income Funds London & Capital Equity and Fixed Income Funds London & Capital 2 We are an independently-owned

More information

ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT)

ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT) ACCOUNT OPENING APPLICATION FORM CLIENT FACT FIND (SIPP ACCOUNT) Background to SIPPs Self Invested Personal Pensions (SIPPs) are personal pensions which allow investors to choose where they want their

More information

new international personal share portfolio

new international personal share portfolio new international personal share portfolio Your opportunity to own a custom-built share portfolio of internationally listed securities wealth Whilst the Johannesburg Stock Exchange is the largest stock

More information

Fund Guide. UK Equity Income Unconstrained Fund. October 2015

Fund Guide. UK Equity Income Unconstrained Fund. October 2015 Fund Guide UK Equity Income Unconstrained Fund October 2015 This document is for investment professionals only and should not be distributed to or relied upon by retail Usage statementclients. It is only

More information

Private Investment Management. A disciplined investment approach

Private Investment Management. A disciplined investment approach Private Investment Management A disciplined investment approach 03 A disciplined investment approach You have been able to accumulate a substantial amount of capital. However, the challenge is to preserve

More information

MLC MasterKey Unit Trust Product Disclosure Statement (PDS)

MLC MasterKey Unit Trust Product Disclosure Statement (PDS) MLC MasterKey Unit Trust Product Disclosure Statement (PDS) Preparation date 1 July 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 This information is general and doesn t take

More information

Individual Savings Account Fund menu

Individual Savings Account Fund menu Individual Savings Account Fund menu This fund menu lists all the funds available on our Individual Savings Account (ISA). Your financial adviser will be able to help you choose the right combination of

More information

Private Wealth Management Mutual Fund Solution

Private Wealth Management Mutual Fund Solution Private Wealth Management Mutual Fund Solution A Step-by-Step Guide to Investment Success In Collaboration with Portfolio Resources Group, Inc. The Strategic Approach to Building Mutual Fund Portfolios

More information

Life s better when you have a plan

Life s better when you have a plan Life s better when you have a plan FINANCIAL PLANNING. WEALTH ADVICE. INVESTMENT MANAGEMENT. Let s make plans together When making decisions about your financial future, we believe these should be made

More information

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios

INVESTMENTS FOR LIVING. Introducing Lifestyle Portfolios INVESTMENTS FOR LIVING Introducing Lifestyle Portfolios I WANT INVESTMENTS THAT GIVE ME FLEXIBILITY AND CHOICE Lifestyle Portfolios from Lloyds Bank International help you keep pace with the ever-changing

More information

Fiduciary Management. What is Fiduciary Management?

Fiduciary Management. What is Fiduciary Management? Fiduciary Management What is Fiduciary Management? Fiduciary Management can be defined as a pension management solution which focuses on achieving the long term goals of a pension fund within a defined

More information

Canaccord Genuity GPS

Canaccord Genuity GPS Canaccord Genuity GPS O p t i m i z e d Po r t f o l i o s Returns include peace of mind. To us there are no foreign markets. N49º18'1" W121º47'7" investment outcome Superhero Mom Harrison Hot Springs,

More information

Powering your investment proposition

Powering your investment proposition Powering your investment proposition more time efficient streamlined confidence performance the perfect partner simplicity Exceptional quality great technology first class service no shoehorning What Advisers

More information

Customised Portfolio Management Service

Customised Portfolio Management Service Customised Portfolio Management Service Customised Portfolio Management service Putting you at the heart of our investment thinking Would you like a wealth management service that is genuinely designed

More information

INVESTMENT POLICY April 2013

INVESTMENT POLICY April 2013 Policy approved at 22 April 2013 meeting of the Board of Governors (Minute 133:4:13) INVESTMENT POLICY April 2013 Contents SECTION 1. OVERVIEW SECTION 2. INVESTMENT PHILOSOPHY- MAXIMISING RETURN SECTION

More information

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise.

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise. WEALTH MANAGEMENT & ADVISORY SERVICES Stability. Integrity. Expertise. A Proven Strategy for Investment Success Best-of-Class We are not restricted by offering proprietary products or holding an inventory

More information

asset classes Understanding Equities Property Bonds Cash

asset classes Understanding Equities Property Bonds Cash NEWSLETTER Understanding asset classes High return Property FIND OUT MORE Equities FIND OUT MORE Bonds FIND OUT MORE Cash FIND OUT MORE Low risk High risk Asset classes are building blocks of any investment.

More information

To us there are no foreign markets. Intermediary Services

To us there are no foreign markets. Intermediary Services To us there are no foreign markets. Intermediary Services N53 31 38 W92 49 24 INVESTMENT OUTCOME WORKING IN PARTNERSHIP ONTARIO, CANADA Working in tandem with intermediaries we offer a real business to

More information

Private Client Services. Your World. Our Guidance

Private Client Services. Your World. Our Guidance Private Client Services Your World Our Guidance Canaccord Genuity Wealth Management is an award winning wealth manager committed to providing investors with a broad array of investment opportunities.

More information

Financial advisers How they can help

Financial advisers How they can help Financial advisers How they can help This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard Asset Management, Limited only

More information

INDEX FUNDS AND EXCHANGE TRADED PRODUCTS COMPARED. Viewpoint IN THIS ISSUE. Examining different passive options for client portfolios

INDEX FUNDS AND EXCHANGE TRADED PRODUCTS COMPARED. Viewpoint IN THIS ISSUE. Examining different passive options for client portfolios This document is for investment professionals only and should not be relied upon by private investors INDEX FUNDS AND EXCHANGE TRADED PRODUCTS COMPARED Examining different passive options for client portfolios

More information

WHERE EXPERIENCE COUNTS

WHERE EXPERIENCE COUNTS Investment Services Guide Retail & Corporate Stockbrokers WHERE EXPERIENCE COUNTS Our Advisory Investment Services are designed specifically for investors seeking specialist expertise and advice on investments

More information

Schroders Charities Our Services

Schroders Charities Our Services Page 2 Introduction Thank you for your interest in. I would like to give a brief introduction to our charity team. We understand that as a charity trustee you will want to know that your assets are being

More information

would wish to be treated.

would wish to be treated. Wealth Management Our aim is to would wish to be treated. This gives rise to characteristics not always found elsewhere, such as integrity, care and good sense, together with fast, exible decision-making.

More information

1 JULY 2015. Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS

1 JULY 2015. Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS 1 JULY 2015 Investment Guide INDUSTRY, CORPORATE AND PERSONAL DIVISIONS Your investment choice TWUSUPER was established in 1984 as the Industry SuperFund for people in transport and logistics. By understanding

More information

A guide to INVESTMENT TRUSTS. We ve been investing successfully since 1888. We re on the right course to invest for generations.

A guide to INVESTMENT TRUSTS. We ve been investing successfully since 1888. We re on the right course to invest for generations. A guide to INVESTMENT TRUSTS We ve been investing successfully since 1888. We re on the right course to invest for generations. 2 A guide to Investment Trusts Contents 3 Investment Trusts explained 4 Differences

More information

Westpac Active Series

Westpac Active Series Westpac Active Series Other Material Information Underlying Investment Managers 23 May 2016 Specialist funds and underlying investment managers Investments may be held directly or via investment in other

More information

DAVID LOUDON CHIEF EXECUTIVE

DAVID LOUDON CHIEF EXECUTIVE FOR PRIVATE CLIENTS When clients appoint us as their investment manager they expect us to take care of their wealth. For each client this means something different. This level of individual attention and

More information

The Financial Planning Group. Financial Planning Services

The Financial Planning Group. Financial Planning Services The Financial Planning Group Financial Planning Services The Financial Planning Group Who we are... Established in 1993 Based in Teddington, South West London We deliver a holistic financial planning service

More information

The path to financial independence. SM. Wealth Management Services

The path to financial independence. SM. Wealth Management Services The path to financial independence. SM Wealth Management Services 1 st Portfolio s integrated services featuring Wealth Connect TM are custom-built to address the unique needs of wealthy individuals and

More information

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5 Vancity Investment Management provides you with direct access to an experienced, dedicated Portfolio Manager who will actively monitor and professionally manage your account. Thank you for taking the time

More information

Our Investment Philosophy and Key Principles

Our Investment Philosophy and Key Principles Investment Service Solution for Financial Advisers Our Investment Philosophy and Key Principles Our aim is to achieve investment performance which protects and enhances your clients real wealth over time,

More information

Wealth Management. Guiding private client investment strategies. Wealth management as it should be

Wealth Management. Guiding private client investment strategies. Wealth management as it should be Wealth Management Guiding private client investment strategies Wealth management as it should be Managing private client wealth for over a century At Smith & Williamson Investment Management, our focus

More information

FIDUCIAN TECHNOLOGY FUND

FIDUCIAN TECHNOLOGY FUND PRODUCT DISCLOSURE STATEMENT FIDUCIAN TECHNOLOGY FUND ARSN 093 544 337 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Technology Fund

More information

Terms and Conditions. Member of the London Stock Exchange. 1 Killik & Co Terms and Conditions 04/15

Terms and Conditions. Member of the London Stock Exchange. 1 Killik & Co Terms and Conditions 04/15 Terms and Conditions Member of the London Stock Exchange 1 Killik & Co Terms and Conditions 04/15 Information about us and our services 46 Grosvenor Street, London, W1K 3HN Foreword Scope of our services

More information

Asset Management Expertise

Asset Management Expertise Asset Management Expertise The expertise required of the financial professional depends on the nature of the job at hand. If you have handed your money to an asset manager for a specific objective, such

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

INVESTING YOUR SUPER. This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015

INVESTING YOUR SUPER. This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 INVESTING YOUR SUPER FACT SHEET 5 14 AUGUST 2015 NGS Super offers you flexibility and choice when

More information

Our Investment Proposition

Our Investment Proposition Suite A, Lancaster House Imperial Financial Planning Grange Business Park Our Investment Proposition This document explains the defined investment strategy that we use with our clients. Our investment

More information

SEI Aggressive Global Equity Portfolio

SEI Aggressive Global Equity Portfolio SEI Aggressive Global Equity Portfolio Investment Policy Statement INTRODUCTION An Investment Management Program will determine the right mix of investments for your personal situation in order to meet

More information

ASSANTE OPTIMA STRATEGY

ASSANTE OPTIMA STRATEGY ASSANTE OPTIMA STRATEGY At Assante Wealth Management, we believe that an integrated approach to managing your wealth is a better approach. ASSANTE OPTIMA STRATEGY: A BETTER WAY Are you well invested? Wondering

More information

We continually search for better value and choice, and are agile enough to respond to opportunities quickly.

We continually search for better value and choice, and are agile enough to respond to opportunities quickly. We continually search for better value and choice, and are agile enough to respond to opportunities quickly. As a result, our clients become better informed, confident and empowered to reach their financial

More information

Pension & Investment Options. A Guide to Irish Life Corporate Business Pension Funds

Pension & Investment Options. A Guide to Irish Life Corporate Business Pension Funds Pension & Investment Options A Guide to Irish Life Corporate Business Pension s Your Click into Pensions Irish Life Corporate Business offers a wide range of online tools to keep you up to date with pension

More information

MACKENZIE PRIVATE WEALTH COUNSEL

MACKENZIE PRIVATE WEALTH COUNSEL MACKENZIE PRIVATE WEALTH COUNSEL PORTFOLIO ARCHITECTURE SERVICE INVESTMENT PHILOSOPHY Mackenzie Private Wealth Counsel Portfolio Architecture Service Investment Philosophy THE IMPORTANCE OF ASSET ALLOCATION

More information

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED 02 TIME TO ENJOY Through hard work and unique talent you have generated wealth. A relationship with

More information

FIDUCIAN AUSTRALIAN SHARES FUND

FIDUCIAN AUSTRALIAN SHARES FUND PRODUCT DISCLOSURE STATEMENT FIDUCIAN AUSTRALIAN SHARES FUND ARSN 093 542 271 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Australian

More information

WHY FLEXSHARES? Based on Understanding. Built on Experience.

WHY FLEXSHARES? Based on Understanding. Built on Experience. WHY FLEXSHARES? Based on Understanding. Built on Experience. BASED ON UNDERSTANDING Most exchange traded funds (ETFs) are designed to track indexes. You invest for a reason, though and need to accomplish

More information

Lazard Asset Management An Overview

Lazard Asset Management An Overview Lazard Asset Management An Overview Founded in 1848, Lazard has long served as a trusted advisor to governments, businesses, and individuals around the world. With an international presence that dates

More information

Exchange Traded Funds. Reasons to Consider. For professional clients only

Exchange Traded Funds. Reasons to Consider. For professional clients only Exchange Traded Funds Reasons to Consider For professional clients only Exchange Traded Funds (ETFs) have been designed to provide low-cost and transparent access to the world s markets, combining the

More information

Portfolio Management Services (PMS)

Portfolio Management Services (PMS) Portfolio Management Services (PMS) "Investment is a Dynamic Process where the Key is not just Earn Return on Investments But Earn Superior Return from Opportunities that Meets your Aspiration" Kriti Capital

More information

WELCOME TO STA Wealth Management

WELCOME TO STA Wealth Management WELCOME TO STA Wealth Management Since the founding of STA Wealth Management in 2002 by experienced financial industry executives in Houston, Texas, we have focused on delivering comprehensive portfolio

More information

INVESTMENT PROPOSITION

INVESTMENT PROPOSITION INVESTMENT PROPOSITION OUR PRINCIPLES AND HOW WE INVEST We understand the trust placed in us when choosing to invest with Charlotte Square. That is why we always look for the correct balance between the

More information

CONTACT SA REIT. The asset class that delivers capital appreciation and annuity income

CONTACT SA REIT. The asset class that delivers capital appreciation and annuity income The asset class that delivers capital appreciation and annuity income CONTACT SA REIT WEB: www.sareit.co.za EMAIL: sareit@marketingconcepts.co.za TEL: +27 11 783 2201 Twitter: @SA_REIT SA REIT ASSOCIATION

More information

Key Facts about our services and costs - Saga Investments Online

Key Facts about our services and costs - Saga Investments Online 1. What is the purpose of this document? The Financial Conduct Authority (FCA) asks regulated firms to provide this important information to help you decide if our products and services are right for you.

More information

Investment portfolio management. A tailored service for private clients, charities and trustees

Investment portfolio management. A tailored service for private clients, charities and trustees Investment portfolio management A tailored service for private clients, charities and trustees Contents 1 Our service to you 2 Your requirements 3 The investment universe 4 Our services 6 Our resources

More information

DYNAMIC DIVERSIFIED FUND

DYNAMIC DIVERSIFIED FUND DYNAMIC DIVERSIFIED FUND The Right Assets at the Right Time The SSgA Dynamic Diversifed Fund uses proven market-aware intelligence to dynamically adjust asset allocation ensuring you are in the right assets

More information

Investment matters. Smart guide #3 Getting your fair share

Investment matters. Smart guide #3 Getting your fair share Investment matters Smart guide #3 Getting your fair share Produced in partnership with Shares magazine The value of investments can fall as well as rise and any income from them is not guaranteed and you

More information

Structured Products. Designing a modern portfolio

Structured Products. Designing a modern portfolio ab Structured Products Designing a modern portfolio Achieving your personal goals is the driving motivation for how and why you invest. Whether your goal is to grow and preserve wealth, save for your children

More information

FREQUENTLY ASKED QUESTIONS March 2015

FREQUENTLY ASKED QUESTIONS March 2015 FREQUENTLY ASKED QUESTIONS March 2015 Table of Contents I. Offering a Hedge Fund Strategy in a Mutual Fund Structure... 3 II. Fundamental Research... 4 III. Portfolio Construction... 6 IV. Fund Expenses

More information

For professional investors and advisors only. Not suitable for retail clients. Schroder Life Flexible Retirement Fund

For professional investors and advisors only. Not suitable for retail clients. Schroder Life Flexible Retirement Fund May 2016 For professional investors and advisors only. Not suitable for retail clients. Schroder Life Flexible Retirement Fund Improving the DC journey Members in a defined contribution (DC) pension scheme

More information

WESLEYAN INVESTMENT PORTFOLIOS UNIT TRUSTS AND ISAS

WESLEYAN INVESTMENT PORTFOLIOS UNIT TRUSTS AND ISAS WESLEYAN INVESTMENT PORTFOLIOS UNIT TRUSTS AND ISAS 02 WESLEYAN INVESTMENT PORTFOLIOS UNIT TRUSTS AND ISAS There are thousands of investment funds available in the UK, so you may find the selection process

More information