Liontrust Managed Portfolio Service. For Professional Advisers only

Size: px
Start display at page:

Download "Liontrust Managed Portfolio Service. For Professional Advisers only"

Transcription

1 Liontrust Managed Portfolio Service For Professional Advisers only Q2 2015

2 Liontrust MPS Liontrust MPS offers a broad range of eight active growth and six income portfolios available through Standard Life Liontrust MPS offers one of the largest ranges of DT risk-targeted portfolios available through Standard Life Liontrust is one of only four DFMs on Standard Life that is a member of the G12 threesixty Services has reviewed and verified that the operation of Liontrust MPS meets regulatory standards 2

3 Who are we? 3

4 About Liontrust Our vision is to be one of the leading fund management companies in the UK and internationally, renowned for consistently adding value to clients investment portfolios. Launched in 1995, Liontrust takes pride in having a distinct culture and approach to fund management. We specialise in those asset classes where we have particular expertise Our fund managers are independent thinkers and have the courage of their convictions in making investment decisions Our fund managers have the freedom to manage their portfolios according to their own investment processes and market views without being distracted by the day-to-day aspects of running a business We have distinct and rigorous investment processes that ensure the way we manage money is predictable and repeatable 4

5 Meet our experienced fund management team JOHN HUSSELBEE FUND MANAGER John Husselbee is one of the most highly regarded practitioners of multi-manager and multi-asset investing in the UK retail market with 23 years of experience of running portfolios. He was previously the Director of Multi-Manager Investment at Henderson Global Investors, where he was responsible for portfolio construction and fund selection for a range of portfolios totalling over 650 million. Prior to Hendersons, John was responsible for the launch and ongoing management of the portfolio management service at Rothschild Asset Management. In 2005, John founded North Investment Partners and joined Liontrust in 2013 as Head of Multi- Manager Multi-Asset. John sits on the selection committee for the Investment Week Fund Manager of the Year Awards. PAUL KIM FUND MANAGER Paul Kim has managed discretionary portfolios and multi-manager funds for more than 30 years. He was instrumental in setting up Investment Manager Selection Ltd (IMS) and the subsequent growth of the business. In 2008, IMS was bought by BNP Paribas and re-named Fundquest, with Paul being responsible for the management of IMS funds and client funds, including for Aviva Investors. In March 2011, Paul was appointed Head of Fund Selection and Multi-Manager at Liverpool Victoria Asset Management (LVAM). Paul has also managed discretionary portfolios and services at Capel Cure Myers, Sun Life Portfolio Counselling Services (AXA Sun Life), Christie Group Investment Management and Spencer Thornton Investment Management Services. Paul joined Liontrust in Over 50 years of combined experience 5

6 Reasons to Buy 6

7 Reasons to Buy Broad range: The service offers a broad range of 14 risk-targeted portfolios, comprising eight active growth and six income portfolios, available through Standard Life Access: Fund manager access Tactical flexibility: We use tactical asset allocation (TAA) to supplement the longterm benefits of strategic asset allocation (SAA) with the flexibility to take advantage of valuation opportunities in the short term Experience: John Husselbee and Paul Kim of Liontrust Investment Solutions Limited have a combined experience of more than 50 years in managing multi-manager multi-asset portfolios Knowledge: This experience enables John and Paul to be able to identify and separate investment innovations from fads Insight: John and Paul evaluate the motivations of fund managers and identify any changes in their contentment and commitment 7

8 Reasons to Buy continued Rigorous process: Designed to deliver the outcome expected by investors and maximum returns for each model portfolio within the pre-determined volatility range Risk Management: The team has a strong focus on risk management to ensure the portfolios meet their risk targets and are being managed in line with their objectives Service and communications: We are a client focused business and provide regular and relevant communications, fund manager commentaries and factsheets about your clients investments Value for money: We aim to keep costs to a minimum to ensure that fees and charges are competitive Strong parent company: Liontrust Investment Solutions Limited is a wholly owned subsidiary of Liontrust Asset Management Plc, which is listed on the London Stock Exchange and is a specialist, process-driven fund management business 8

9 Annualised Returns (%) MPS Risk/Reward since launch Annualised Volatility (%) Growth Portfolios Income Portfolios Cash (LIBOR GBP 3 Months) IA Mixed Investment 0-35% IA Mixed Investment 20-60% IA Mixed Investment 40-85% IA Flexible Investment IA Global Source: Liontrust/Lipper. Sterling returns net income reinvested 30 th June 2011 to 31 st March 2015 for Growth 1 to Growth 8 and Income 2 to Income 4. The launch date for Income 1 is 1 st October 2014 therefore figures are not available for the period covered by this chart. 9

10 Investment Process The process is designed to achieve two main objectives: to deliver the outcome expected by investors dependent on their appetite for risk to achieve maximum returns for each model portfolio within the pre-determined volatility range There are four key stages to our investment process with risk management central to each of them: strategic asset allocation tactical asset allocation fund selection portfolio construction 10

11 Portfolio management: a round the clock job 11

12 Investment Process: Fund Research Our objective is to select the right funds at the right time by evaluating the consistency of returns in absolute and relative terms and identifying key performance drivers. We use both quantitative and qualitative analysis to identify predictable and repeatable processes. Quantitative Analysis: returns method returns based style analysis portfolio method Qualitative Analysis: we favour managers with experience, knowledge, process and the right incentive/motivation to succeed one-to-one meetings, seminars, conference calls and conferences company, process, team and support systems focused questionnaires, factsheets and supplemental marketing collateral 12

13 Investment Process: Strategic Asset Allocation The strategic asset allocation (SAA) by broad asset class for each of the model portfolios are shown below: Strategic Asset Allocation Equities 13.3% 19.9% 26.5% 48.1% 64.3% 80.5% 89.3% 98.0% Bonds 30.0% 45.0% 60.0% 39.6% 24.3% 9.0% 4.5% 0.0% Alternatives 1.8% 2.6% 3.5% 5.1% 6.3% 7.5% 3.8% 0.0% Cash 55.0% 32.5% 10.0% 7.2% 5.1% 3.0% 2.5% 2.0% Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% The SAA is essentially the default asset allocation should we have no views on the relative attractiveness of different asset classes. The long-term SAA is reviewed and updated on an annual basis to reflect the evolution of the historical returns, volatility and correlation data set. Source: Liontrust as at January

14 Investment Process: Inputs into Tactical Asset Allocation decision During the Tactical Asset Allocation stage of our investment process we seek to add value by investing in a broad range of asset classes that can be further drilled down by: Geography Style tilt Capitalisation Credit Currency 14

15 Quantitative style analysis Source: Lipper, sterling returns 10 years to 31 st March Past performance is not a guide to future performance. 15

16 Which portfolio is right for your clients? We offer a range of portfolios to suit your clients different attitudes to risk, investment objectives and time horizons. Each of the portfolios in the Liontrust Managed Portfolio Service aim to maximise returns for a given risk profile. Risk Graded Investment Strategies Growth Portfolios Expected Volatility % (5 years) 2-6% 4-8% 6-10% 7-13% 9-15% 11-17% 13-19% 14-22% Expected Volatility % (10 years) 3-5% 5-7% 7-9% 9-11% 11-13% 13-15% 15-17% 17-19% Income Portfolios Expected Volatility % (5 years) 2-6% 4-8% 6-10% 7-13% 9-15% 11-17% Expected Volatility % (10 years) 3-5% 5-7% 7-9% 9-11% 11-13% 13-15% Returns and drawdown of simulated historic performance of portfolios Risk Graded Investment Strategies Average Annual Real Return (%) Maximum Annual Real Return (%) Minimum Annual Real Return (%) Maximum Drawdown (%) Returns data based on 15 years ( ) of monthly inflation adjusted performance of simulated portfolios holding the strategic asset allocations for each risk profile in representative asset indices with annual rebalancing and no transaction, management or other fees. Annual returns based on calendar years, Maximum Drawdown based on consecutive monthly real declines. Source: Liontrust. Expected volatility is expressed as the annualised standard deviation of monthly returns. Past performance is not a guide to future performance. All investment return figures quoted are expressed in real (inflation-adjusted) terms. The Bank of England s current CPI target is 2%. Based on monthly simulated returns data of the portfolios. 16

17 Summary 17

18 Summary: Key selling points Our service offers 14 DT risk-profiled portfolios, eight active growth and six income portfolios Liontrust is one of only four DFMs on Standard Life that is a member of the G12 Fund manager access John and Paul have a combined experience of more than 50 years managing multi-manager multi-asset portfolios threesixty Services reviewed and verified Costs are kept to a minimum to ensure that fees and charges are competitive. The fee to invest in the Liontrst MPS through Standard Life is 0.36% a year, including VAT, excluding underlying fund charges 18

19 Strictly private and confidential information Important notice Liontrust Investment Solutions Limited (LISO), which is 100% owned by Liontrust Asset Management Plc, is authorised and regulated by the Financial Conduct Authority (No ). This presentation contains information intended only for the person to whom it is addressed or presented, and is intended for evaluation purposes only, with no licence to use the content or materials within. In receiving this presentation, the recipient acknowledges and agrees that: i) in the event the recipient does not wish to pursue this matter, this presentation will be returned as soon as possible; ii) the recipient will not copy, fax, reproduce, divulge or distribute this confidential presentation, in whole or in part, without the express written consent of LISO; iii) all of the information herein will be treated as confidential material with no less care than that afforded to the addressee s own confidential material of the most sensitive nature; iv) information herein may constitute material non-public information, disclosure of which may be prohibited by law, and the legal responsibility for its use is borne solely by the recipient. This presentation in no way constitutes an offer to sell, nor a solicitation to purchase securities in any company or investment product. Nothing contained within this document constitutes investment, legal, tax or any other advice. It should not be relied upon when making an investment or other decision. Any performance shown represents model portfolios which are periodically restructured and/or rebalanced. Although the model portfolios are applied to a client s account, the actual returns may vary from the model returns shown. In addition, portfolio performance is quoted net of cost of investment but gross of fees i.e. the OCF of the underlying portfolio investments is taken into account but the Investment Management Fee is not so client returns will differ from the returns shown. Returns do not take account of platform, product provider or Adviser fees. Any figures shown have not been externally audited. All figures in this document are sourced from Lipper and are total return in sterling. The value of investments and any income may go down as well as up and will depend on the fluctuations of investments and financial markets outside of the control of Liontrust Investment Solutions Limited. As a result a client may not get back the amount originally invested. Past performance is not indicative of future performance and any reference to a security is not a recommendation to buy or sell that security. Issued by Liontrust Investment Solutions Limited, April Registered office: 2 Savoy Court, London, WC2R 0EZ. 19

Model Portfolio Platform Service (For Professional Advisers only)

Model Portfolio Platform Service (For Professional Advisers only) Model Portfolio Platform Service (For Professional Advisers only) 2 Portfolio solutions well managed Accessible : risk-graded : trusted research Novia, Transact, Standard Life and Brown Shipley 12 Collective

More information

A specialist investment manager for US clients

A specialist investment manager for US clients For US clients A specialist investment manager for US clients Sarasin Asset Management Ltd. July 2015 Why invest with Sarasin Asset Management? True client commitment and expertise for 03 US residents

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

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

UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE

UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE UNDERSTANDING YOUR INVESTMENT PORTFOLIO A GUIDE FOR OUR MANAGED PORTFOLIO SERVICE CONTENTS Our Approach to Building Your Portfolio 03 Getting Started 03 Investment Objectives 04-05 Understanding Investment

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

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

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 Strategy for Pensions Actuaries A Multi Asset Class Approach

Investment Strategy for Pensions Actuaries A Multi Asset Class Approach Investment Strategy for Pensions Actuaries A Multi Asset Class Approach 16 January 2007 Representing Schroders: Neil Walton Head of Strategic Solutions Tel: 020 7658 2486 Email: Neil.Walton@Schroders.com

More information

Diversified, multi-asset, global growth investment

Diversified, multi-asset, global growth investment Available in a NISA Premier Multi-Asset Global Growth Fund Diversified, multi-asset, global growth investment A For professional advisers only, not for distribution to retail clients Premier Multi-Asset

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

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

DIVERSIFIED GROWTH FUNDS: DO THEY MEET EXPECTATIONS?

DIVERSIFIED GROWTH FUNDS: DO THEY MEET EXPECTATIONS? March 2015 DIVERSIFIED GROWTH FUNDS: DO THEY MEET EXPECTATIONS? In this paper, we ask two questions: Do DGFs meet their objectives? Is their performance good enough? What is a Diversified Growth Fund?

More information

RIT Capital Partners plc Shareholder Disclosure Document January 2015

RIT Capital Partners plc Shareholder Disclosure Document January 2015 RIT Capital Partners plc Shareholder Disclosure Document January 2015 This document is intended to provide shareholders with specific information required by the FCA and ESMA in accordance with the Alternative

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

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

Newton Global Dynamic Bond Fund

Newton Global Dynamic Bond Fund Newton Investment Management Newton Global Dynamic Bond Fund For professional investors only. This document is for Australian and New Zealand wholesale clients only. Please read the important disclosures

More information

Fiduciary Management at BNP Paribas Investment Partners A true partnership approach. For Professional Investors

Fiduciary Management at BNP Paribas Investment Partners A true partnership approach. For Professional Investors Fiduciary Management at BNP Paribas Investment Partners A true partnership approach For Professional Investors By taking the fiduciary journey with us, you are engaging in a true working partnership,,

More information

Scheduled Distribution Dates for All Goldman Sachs Funds (excluding Money Markets)

Scheduled Distribution Dates for All Goldman Sachs Funds (excluding Money Markets) Scheduled Distribution Dates for All Goldman Sachs Funds (excluding Money Markets) Fixed Income Funds Net Investment Income Capital Gains Goldman Sachs Bond Fund Note 1 Note 2 Goldman Sachs Core Fixed

More information

OUR FUND RANGE AND INVESTMENTS. e-investments

OUR FUND RANGE AND INVESTMENTS. e-investments OUR FUND RANGE AND INVESTMENTS e-investments Why is it important to read this document? This document explains our investments, the funds available, how they are managed, their objectives and the associated

More information

Newton Global Emerging Markets strategy

Newton Global Emerging Markets strategy Newton Global Emerging Markets strategy For professional investors only. This document is for n and New Zealand wholesale clients only. Compared to more established economies, the value of investments

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

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

SEI Japan Equity Fund As at 30th June, 2009

SEI Japan Equity Fund As at 30th June, 2009 Benchmark TOPIX Base Currency JPY Currencies Available EUR, GBP Fund Complex SEI Global Assets Fund PLC SEI Japan Equity Fund As at 30th June, 2009 SEI MANAGER OF MANAGERS PHILOSOPHY SEI employs a sophisticated

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

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

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

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

Financial Planning Report

Financial Planning Report {{TOC}} Financial Planning Report Prepared for: Prepared by: Independent Financial Adviser PPOL Penylan Mill Coed-y-Go Oswestry Shropshire SY10 9AF 7/4/2015 Executive Summary Six months have passed since

More information

National Bank Strategic Portfolios. A Sound Investment

National Bank Strategic Portfolios. A Sound Investment National Bank Strategic Portfolios A Sound Investment 03 What are the Strategic Portfolios? Six portfolios designed to meet the needs of six different investor profiles. Optimal diversification by asset

More information

My LV= Pension Plan Diversified Growth Fund Fund Factsheet 4th Quarter 2012

My LV= Pension Plan Diversified Growth Fund Fund Factsheet 4th Quarter 2012 This factsheet has been produced to provide you with information on this blended fund. It includes information on the investment objective of the fund, where the fund is invested, risk information and

More information

Short report For the period ended 30 June 2015

Short report For the period ended 30 June 2015 Short report For the period ended 30 June 2015 Short reports Architas MM Strategic Bond Fund For the period ended 30 June 2015 Investment objective The Fund aims to provide a return on your investment.

More information

The rise of the boutique asset manager

The rise of the boutique asset manager The rise of the boutique asset manager IAN BARNES, MANAGING DIRECTOR AND HEAD OF OPENWORLD From hotels to haute couture, the concept of boutique implies the same characteristics in a business whatever

More information

This document introduces the principles behind LDI, how LDI strategies work and how to decide on an appropriate approach for your pension scheme.

This document introduces the principles behind LDI, how LDI strategies work and how to decide on an appropriate approach for your pension scheme. for professional clients only. NOT TO BE DISTRIBUTED TO RETAIL CLIENTS. An introduction TO Liability driven INVESTMENT HELPING PENSION SCHEMES ACHIEVE THEIR ULTIMATE GOAL Every defined benefit pension

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

AMP Capital Investment Funds

AMP Capital Investment Funds AMP Capital Investment Funds Investment Statement Dated: 18 September 2015 Issued by AMP Investment Management (N.Z.) Limited Important information (The information in this section is required under the

More information

A guide to the Kames High Yield Bond Fund

A guide to the Kames High Yield Bond Fund www.kamescapital.com A guide to the Kames High Yield Bond Fund For professional investors only 1 What s in the Fund? The Fund invests primarily in high yield bonds. It can, however, hold some investment

More information

Sterling Investment Bond. Investment funds guide

Sterling Investment Bond. Investment funds guide Sterling Investment Bond Investment funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 10 Fund risks 11 Managed funds 12 Multi-Managed funds

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

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

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

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

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS.

ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. ONLINE INVESTMENTS OUR FUND RANGE AND INVESTMENTS. Why is it important to read this document? This document explains the funds available for you to invest in through our Investment ISA, which is a Stocks

More information

Working in partnership for the benefit of your clients For professional advisers only

Working in partnership for the benefit of your clients For professional advisers only Multi-asset portfolio management services for financial advisers Working in partnership for the benefit of your clients For professional advisers only Contents Welcome to Ashcourt Rowan 1 Risk driven,

More information

JUPITER DIVIDEND & GROWTH TRUST PLC MONTHLY FACT SHEET : 30-NOV-2015 TOTAL ASSETS 53,465,619

JUPITER DIVIDEND & GROWTH TRUST PLC MONTHLY FACT SHEET : 30-NOV-2015 TOTAL ASSETS 53,465,619 MONTHLY FACT SHEET : 30-NOV-2015 TOTAL ASSETS 53465619 Assets attributable to: Common shares * 10548403 Ordinary shares 850838 Zero Dividend Preference shares 42066378 SHARES Net Asset Value Market Price

More information

Sterling Investment Bond. Investment funds guide

Sterling Investment Bond. Investment funds guide Sterling Investment Bond Investment funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 10 Fund risks 11 Managed funds 12 Multi-Managed funds

More information

Investment risk Balancing investment risk and potential reward

Investment risk Balancing investment risk and potential reward Investment risk Balancing investment risk and potential reward This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard Asset

More information

Rathbone Greenbank Investments Why invest with us?

Rathbone Greenbank Investments Why invest with us? Rathbone Greenbank Investments Why invest with us? The value of your investments and the income from them may go down as well as up, and you may get back less than you invested. Ethical investors Why invest

More information

Credit Suisse Portfolio Solutions. Personalized strategies to help you grow, preserve, and use your wealth

Credit Suisse Portfolio Solutions. Personalized strategies to help you grow, preserve, and use your wealth Credit Suisse Portfolio Solutions Personalized strategies to help you grow, preserve, and use your wealth 1 Credit Suisse Portfolio Solutions Personalized strategies to help you grow, preserve, and use

More information

Justifying the investment budget

Justifying the investment budget Justifying the investment budget Professional Pensions DC Conference, 12 April 2016 Tim Horne DC Investment Solutions Manager, Schroders For professional investors only. This material is not suitable for

More information

Why Strategic Bond funds are failing investors

Why Strategic Bond funds are failing investors Why Strategic Bond funds are failing investors March 2016 For Professional Investors only The rise of Strategic Bonds The IA Sterling Strategic Bond sector was launched to much fanfare in 2008. The birth

More information

Short report For the period ended 31 Dec 2015

Short report For the period ended 31 Dec 2015 Short report For the period ended 31 Dec 2015 Short reports Architas Diversified Global Income Fund For the period ended 31 Dec 2015 Investment objective The aim of the Fund is to provide you with an income,

More information

Changes to the Product Disclosure Statement for:

Changes to the Product Disclosure Statement for: Changes to the Product Disclosure Statement for: FirstChoice Investments FirstChoice Personal Super FirstChoice Pension New Product Disclosure Statement: Issue No. 2013/1, dated 11 June 2013 Old Product

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Invest in the Future Life has significant moments. Making sure you re prepared for them is important. But what can you do when the pace of your life leaves you little time to

More information

MERCER GLOBAL CREDIT FUND Product Disclosure Statement

MERCER GLOBAL CREDIT FUND Product Disclosure Statement MERCER GLOBAL CREDIT FUND Product Disclosure Statement 1 June 2015 ARSN: 141 046 282 APIR: MIN0032AU Contents Page 1. About Mercer Investments (Australia) Limited 2 2. How the Mercer Global Credit Fund

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

Investment management. Tailor-made investment solutions

Investment management. Tailor-made investment solutions Investment management Tailor-made investment solutions 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

More information

Advanced Support Services for Your Personal Portfolio

Advanced Support Services for Your Personal Portfolio P O R T F O L I O S U P P O R T S E R V I C E S Advanced Support Services for Your Personal Portfolio Advanced technology, investment research, and administrative services to support your advisor A Foundation

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

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund.

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund. The Pinnacle Funds Simplified Prospectus December 11, 2009 Class A and Class F units and Class I units where noted Money Market Fund Pinnacle Short Term Income Fund Bond Funds Pinnacle Income Fund Pinnacle

More information

Premier Global Utilities. Income Fund

Premier Global Utilities. Income Fund Premier Global Utilities % 5.1p.a. paid quarterly historic yield Income Fund Switch on this powerful alternative income Best performing global equity income fund in 2014 For professional adviser use only

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

Do Diversified Growth Funds solve the diversification problem?

Do Diversified Growth Funds solve the diversification problem? Aon Hewitt Retirement and Investment Do Diversified Growth Funds solve the diversification problem? Risk. Reinsurance. Human Resources. Do Diversified Growth Funds solve the diversification problem? Diversified

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

ACF morning workshop. Is your investment committee asking the right questions?

ACF morning workshop. Is your investment committee asking the right questions? ACF morning workshop Is your investment committee asking the right questions? Contents 1. Why would a charity want to consider a total return investment policy? What do we mean by total return? 2. Finding

More information

Davy High Yield Fund from New Ireland

Davy High Yield Fund from New Ireland Davy Asset Management FOR FINANCIAL ADVISORS ONLY Davy High Yield Fund from New Ireland Davy Asset Management is regulated by the Central Bank of Ireland. Investing in high quality global companies that

More information

PRESS RELEASE. New sub-fund for top performing DSP US Equity manager

PRESS RELEASE. New sub-fund for top performing DSP US Equity manager PRESS RELEASE Monday 23 rd October 2006 New sub-fund for top performing DSP US Equity manager The Melchior North American Opportunities Sterling Hedged (MNAOFSHF) is being launched by Dalton Strategic

More information

VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS

VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS VANGUARD LOWERS CHARGES ON 25 UK AND IRISH-DOMICILED FUNDS Reduced charges on 16 index mutual funds, 4 exchange traded funds (ETFs) and 5 LifeStrategy Funds 28 August, 2014 Vanguard Asset Management, Limited

More information

Effective downside risk management

Effective downside risk management Effective downside risk management Aymeric Forest, Fund Manager, Multi-Asset Investments November 2012 Since 2008, the desire to avoid significant portfolio losses has, more than ever, been at the front

More information

CGWM Total Return Bond Fund

CGWM Total Return Bond Fund To us there are no foreign markets. TM CGWM Total Return Bond Fund Supplement dated 6 October 2015 to the Prospectus dated 6 October 2015 This Supplement contains specific information in relation to the

More information

Insurance Dedicated Funds: Variable Insurance Trusts

Insurance Dedicated Funds: Variable Insurance Trusts At a Glance September 2015 Insurance Dedicated Funds: Variable Insurance Trusts Our goal at GSAM is to meet the financial goals of investors worldwide, now and in the future, with innovative investment

More information

Dynamic Diversified Growth Fund

Dynamic Diversified Growth Fund Dynamic Diversified Growth Fund with BlackRock Investment Management (UK) Limited Customer Brochure BlackRock is a truly global firm that manages assets for clients in Europe, North and South America,

More information

Asset allocation A key component of a successful investment strategy

Asset allocation A key component of a successful investment strategy Asset allocation A key component of a successful investment strategy This guide has been produced for educational purposes only and should not be regarded as a substitute for investment advice. Vanguard

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

UNdErSTANdINg INVESTMENTS THE NEXT STEP. A guide to understanding the issues you should consider. Make time for your future now. nfumutual.co.

UNdErSTANdINg INVESTMENTS THE NEXT STEP. A guide to understanding the issues you should consider. Make time for your future now. nfumutual.co. INVESTMENTS THE NEXT STEP UNdErSTANdINg INVESTMENT risk Make time for your future now. A guide to understanding the issues you should consider Simply get in touch with your local NFU Mutual office, or call

More information

Commodities. Precious metals as an asset class. April 2011. What qualifies as an asset class? What makes commodities an asset class?

Commodities. Precious metals as an asset class. April 2011. What qualifies as an asset class? What makes commodities an asset class? Commodities Precious metals as an asset class April 2011 What qualifies as an asset class? Broadly speaking, an asset class is simply a grouping of assets that possess similar characteristics. Defining

More information

ZURICH HORIZON FUNDS DUE DILIGENCE

ZURICH HORIZON FUNDS DUE DILIGENCE ZURICH HORIZON FUNDS DUE DILIGENCE 2 / 3 DUE DILIGENCE CONTENTS About Zurich 3 About Columbia Threadneedle Investments 5 The case for multi-asset funds 8 Risk profiling 9 Zurich Horizon funds 11 Zurich

More information

Vote for growth, seize US equities potential. For professional investors

Vote for growth, seize US equities potential. For professional investors Vote for growth, seize US equities potential For professional investors Vote for growth, seize US equities potential I October 2012 I 2 Why US EquitieS at BNP Paribas Investment Partners? A strong history

More information

Portfolio Management for institutional investors

Portfolio Management for institutional investors Portfolio Management for institutional investors June, 2010 Bogdan Bilaus, CFA CFA Romania Summary Portfolio management - definitions; The process; Investment Policy Statement IPS; Strategic Asset Allocation

More information

Key features of the M&S Investment ISA and Investment Plan

Key features of the M&S Investment ISA and Investment Plan M&S INVESTMENT ISA AND INVESTMENT PLAN Key features of the M&S Investment ISA and Investment Plan INTRODUCING THE HSBC WORLD SELECTION PORTFOLIOS The Financial Conduct Authority is the independent financial

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 Scottish Investment Trust PLC

The Scottish Investment Trust PLC The Scottish Investment Trust PLC INVESTOR DISCLOSURE DOCUMENT This document is issued by SIT Savings Limited (the Manager ) as alternative investment fund manager for The Scottish Investment Trust PLC

More information

Exchange Traded Funds. An Introductory Guide. For professional clients only

Exchange Traded Funds. An Introductory Guide. For professional clients only Exchange Traded Funds An Introductory Guide For professional clients only Exchange-Traded Funds (ETFs) started to be used in Europe in the early 2000s but over the past few years they have grown their

More information

Form ADV Part 2A Appendix 1

Form ADV Part 2A Appendix 1 Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure Brown Advisory Securities, LLC 801-61427 901 South Bond Street Baltimore, MD 21231-3340 Phone: (410) 537-5400 Email: compliancegroup@brownadvisory.com

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

Fixed income benchmarks Time to think again?

Fixed income benchmarks Time to think again? February 2013 Fixed income benchmarks Time to think again? There are a number of drawbacks to the use of traditional fixed income benchmarks. As a consequence, some fixed income managers are reappraising

More information

CGWM Bond Fund. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014. Investment Objective. Investment Policy.

CGWM Bond Fund. Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014. Investment Objective. Investment Policy. CGWM Bond Fund To us there are no foreign markets. TM Supplement dated 11 November 2014 to the Prospectus dated 11 November 2014 This Supplement contains specific information in relation to the CGWM Bond

More information

AIFMD investor information document Temple Bar Investment Trust PLC

AIFMD investor information document Temple Bar Investment Trust PLC AIFMD investor information document Temple Bar Investment Trust PLC Temple Bar Investment Trust PLC (the Company ) was incorporated in 1926 with the registered number 214601. The Company carries on business

More information

Investing for a brighter future. Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED

Investing for a brighter future. Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED Investing for a brighter future Stocks and Shares ISAs explained 1 STOCKS AND SHARES ISAS EXPLAINED Contents 03 What is a stocks and shares ISA? 04 How much can I invest? 05 Why invest in a stocks and

More information

T RA NSPA RENCY AYPFNK T GPOWQ HFLAL RA IAFUA JJKFDHKNDJKSJJ

T RA NSPA RENCY AYPFNK T GPOWQ HFLAL RA IAFUA JJKFDHKNDJKSJJ AYPFNK T GPOWQ HFLAL RA IAFUA KJPAO NSPA RTNGI MSDUN RENCY GFNGA NFIVERHONVDUISNFAHD LKWOPRKJDGMJFKFGKKOIANVASPG J A G K L J FL G J F L F J A O IJ G J G FJ G J F P O N D H D J F K J FJ F J A D I RT U A

More information

Delivering financial freedom. UK and European financial management specialists

Delivering financial freedom. UK and European financial management specialists Delivering financial freedom UK and European financial management specialists Our origins and brief history We provide the big-picture oversight that you need to succeed. The Blacktower group was formed

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

Issue of New Shares including an Initial Placing and a Placing Programme

Issue of New Shares including an Initial Placing and a Placing Programme This document comprises a prospectus relating to Aurora Investment Trust plc (the "Company") prepared in accordance with the Prospectus Rules and Listing Rules of the UK Listing Authority made under section

More information

Listed Investment Companies (LICs) Research Methodology

Listed Investment Companies (LICs) Research Methodology Listed Investment Companies (LICs) Research Methodology May 2011 2011 Morningstar Australasia Pty Ltd. All information contained in this document is the property of Morningstar Australasia Pty Ltd ABN

More information

Premier Liberation multi-asset risk-targeted solutions

Premier Liberation multi-asset risk-targeted solutions multi-asset risk-targeted solutions Fund update - fourth quarter 2014 For professional adviser use only and not for distribution to retail investors multi-asset risk-targeted solutions Need to know To

More information

Client Agreement document

Client Agreement document Client Agreement document for Burton and Fisher Financial Services Introduction This document is aimed at providing you with an overview of Burton and Fisher Financial Services and to introduce you to

More information

Glossary of Investment Terms

Glossary of Investment Terms online report consulting group Glossary of Investment Terms glossary of terms actively managed investment Relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt

More information

Share Capital Increase

Share Capital Increase Share Capital Increase Additional Information Pack Part 2 July 2014 Table of contents Margins and profitability - Interest earning assets decomposition 3 Asset quality - Recovery analysis 4 Capital - Q2

More information

Schroders Investment Risk Group

Schroders Investment Risk Group provides investment management services for a broad spectrum of clients including institutional, retail, private clients and charities. The long term objectives of any investment programme that we implement

More information