The investment world in your own account
|
|
- Lauren Griffin
- 7 years ago
- Views:
Transcription
1 Merrion Solutions is a division of Merrion Stockbrokers Limited. Merrion Stockbrokers Limited is regulated by the Central Bank of Ireland. Merrion Stockbrokers Limited is a member firm of the Irish Stock Exchange and the London Stock Exchange. The investment world in your own account
2 1 myfunds from Merrion CONTENTS Introduction 2 Do you know where your funds are? 3 How does myfunds work? 3 Part A: myfunds Model Portfolio 4 Part B: myfunds Personal Portfolio 6 What does myfunds offer you? 8 myfunds Summary 9
3 myfunds from Merrion 2 myfunds is a new investment service from Merrion. It combines Merrion s Asset Management and Stockbroking capabilities into one low cost, transparent and liquid service. Who is the new myfunds service account designed for? The short answer is everyone, but in particular, we would say that if you answer yes to one or more of the following questions, you should consider the new myfunds account from Merrion. Have you suffered capital losses or do you have realisable losses? Are you confused about the level of choice in the investment market? Does having the choice to manage part of your funds personally and also, within the same service, having access to one of Ireland s leading asset managers appeal to you? Do you have one or more stockbroking accounts or have you an interest in share dealing? If so, do you have too much individual stock concentration in your stockbroking portfolio?
4 3 myfunds from Merrion Do you know where your funds are? People have lots of different assets which collectively make up their funds. Examples of such assets are your lump sum investments, pensions, cash, government and corporate bonds, post office savings etc. Deciding how and where to invest your funds is a complicated business and, today more than ever before, the almost unlimited choice of complex financial instruments being offered to investors by an equally unlimited list of financial institutions has left many confused. Too much choice has resulted in a disjointed outcome where investors and their advisors face difficulties in making investment decisions and ultimately in keeping track of where their various savings and investments are! myfunds is about keeping it simple. It's about offering you access to the entire investment universe but within your own account. It doesn't matter whether you're a cautious or aggressive investor, whether you want global diversity or just one asset, active management or passive index tracking, personal involvement and/or professional asset management, myfunds is about giving the control and ownership of your investment funds back to you. How does myfunds work? When we designed our new service we wanted to create something different to anything else available in the Irish market today. We listened to what our clients are saying and what we found was: That there will always be demand for our advisory stockbroking service where you have unlimited access to an experienced portfolio manager and get stock specific information and advice which you may or may not choose to act upon. That there is also considerable demand for a service that allows investors who know exactly what assets they wish to purchase, to execute those transactions without any personal advice. And that there are many clients who recognise the benefit of having some or all of their assets managed for them. We put considerable time and resources into designing a solution that caters to the needs of every investor.. The new myfunds service employs institutional techniques and processes for investors. It allows you to take control of your funds but also to employ the services of our professional asset managers if and when you wish. The myfunds investment service from Merrion has two distinctively different elements. 1. Firstly there is your Model Investment Portfolio in which your funds are managed for you within a range of both Specialist Actively Managed Portfolios and Risk Weighted Systematic Portfolios. 2. Also myfunds offers you the choice to manage part or all of your investment funds in your Personal Portfolio either on an Advisory or Execution Only basis. Actively Managed Advisory Systematic Portfolios Your Model Investment Portfolio Your Personal Investment Portfolio Execution Only Warning: The value of your investment may go down as well as up. You may get back less than you invest. Warning: If you invest in this product you may lose some or all of the money you invest.
5 myfunds from Merrion 4 Part A: Your Model Portfolio Many successful savers and investors buy in gloom and sell in boom. Unfortunately, for some retail investors, investing can be emotive and many investment decisions tend to be based on fear and greed. As can be seen from the graph below, some investors have a tendancy to buy when markets are peaking and sell when low. Excitement Optimism Thrill Euphoria Investors tend to BUY here... Anxiety Denial Fear Desperation Optimism Economic activity Time Panic...and SELL here! Relief Capitulation Hope Despondancy Depression myfunds Model Portfolios take the emotion out of investing How will your myfunds Model Portfolio be managed? The debate about whether active or passive asset management is the correct financial strategy will likely continue indefinitely. Our answer is to offer you both. The myfunds model investment portfolios offer you a choice of both Risk Weighted Systematic Portfolios and also Specialist Active Management with a selection of actively managed investment portfolios. Who manages the myfunds Model Portfolios? The model portfolios have been created and are managed by a closely-knit investment team made up of Merrion investment professionals, researchers and fund managers. Merrion is in a strong competitive position because we have both Stockbroking and Investment Management capabilities under one roof. Merrion s investment management business has circa 1bn of assets under management. We have over twenty five years experience in managing investment portfolios on behalf of pension schemes, corporate bodies, charities, religious orders, foundations and high net worth individuals.
6 5 myfunds from Merrion Your Model Investment Portfolio myfunds Actively Managed Your Model Investment Portfolio myfunds Systematic Portfolios myfunds Specialist Actively Managed Portfolios myfunds offers you a range of actively managed portfolios. These portfolios are concentrated but yet achieve a high degree of diversity through investing in between 20 and 30 assets. We seek to invest in areas of the market where we see the most attractive opportunities, as opposed to holding the stocks with the largest representation in the various indices. Successful investing is a function of effective decision-making so consequently, we operate a small closely-knit investment team where individuals enjoy a high level of autonomy, and a good track record in decision-making. Merrion Investment Managers has always focused on the markets rather than the consensus of the competition. This has helped us to capture the sectoral themes that drive investment returns and enabled us to perform consistently in changing environments. Full details of the various actively managed portfolios can be found at The Irish Opportunities Portfolio The Irish Opportunities Portfolio is an excellent vehicle to gain exposure to the recovery potential of the Irish economy. Valuation levels for Irish equities remain appealing. Indeed, Ireland has started to attract overseas investor interest. The Irish Opportunities Portfolio is different from most Irish Equity portfolios as it can invest in both companies domiciled in Ireland and International companies which have business interests in Ireland such as Google, Microsoft or Apple. As a result it gives an investor broader exposure to some of the key drivers of not only the Irish economy, but the global economy as well. The Global Opportunities Portfolio The investment objective of the portfolio is to secure long term capital growth by investing primarily in Equities but also Bonds, Alternative Assets and cash. The Investment committee has the flexibility to build up cash reserves to protect and hedge the portfolio. Although likely to be concentrated in the developed regions of the euro-zone, UK and the US, the portfolio may look to expand the regional exposure to include emerging markets.
7 myfunds from Merrion 6 myfunds Actively Managed Your Model Investment Portfolio myfunds Systematic Portfolios myfunds Risk Weighted Systematic Portfolios The Risk Weighted Systematic Portfolios The European Securities and Markets Authority (ESMA) has provided guidelines for the methodology that investment managers should use when calculating the synthetic risk levels of their investment strategies. ESMA has defined 7 volatility intervals which reflect the increasing level of risk borne by an investment strategy and therefore, its position on the ESMA risk scale. We have designed 7 different risk weighted systematic portfolios that are consistent with the volatility intervals defined by ESMA. These risk weighted systematic portfolios cater to the needs of all investors from the individual who is ultra conservative to the one who is seeking high levels of growth. Financial Brokers and investors can combine their understanding of the investor s attitude towards and capacity to bear investment risk with the ESMA volatility intervals in order to select the risk weighted systematic portfolio most suited to their needs. The emphasis within these 7 model portfolios is on keeping things simple. We don t offer dozens of fund managers or thousands of funds but rather we take a more passive and less expensive approach. A select number of Exchange Traded Funds (ETFs) are blended to give you complete diversity and we rebalance the mix of each portfolio monthly to ensure your model portfolio remains within the ESMA volatility intervals. Risk Weighted Systematic Portfolio ESMA Volatility Intervals Equal or above Less than 1 - Ultra Conservative 0% 0.5% 2 - Conservative 0.5% 2% 3 - Cautious 2% 5% 4 - Prudent 5% 10% 5 - Balanced 10% 15% 6 - Dynamic 15% 25% 7 - Aggressive 25% NA
8 7 myfunds from Merrion Part B: Your Personal Portfolio This element of your portfolio gives you complete freedom and allows you to invest in a wide range of assets as you wish. All listed securities including Stocks, Structured Investments, Fixed Income Securities, Exchange Traded Funds etc. are available for you to choose. STOCKS AND SHARES STRUCTURED INVESTMENTS BONDS - CORPORATE - GOVERNMENT Your Personal Investment Portfolio DEPOSIT EXCHANGE TRADED FUNDS (ETF s) REAL ESTATE INVESTMENT TRUSTS (REIT s) STOCKS AND SHARES The entire investment universe is open to you and you can access any listed security including domestic and international shares through your Personal Portfolio. It is also possible to invest in commodities and Exchange Traded Funds which are explained in more detail below. BONDS The Merrion bond desk is a highly respected trading and research business, specialising in Eurozone and other sovereign, corporate and financial credits. We deal with investors across Europe and North America, including domestic and international asset managers, hedge funds, private banks, family offices and other retail investors. Many investors like to hold bonds as part of their portfolio because they add diversity and also stability to the overall mix. Within your myfunds Personal Portfolio, the full range of both government and corporate bonds is available to you. STRUCTURED INVESTMENTS Merrion has combined the expertise of Duggan Asset Management and Merrion Stockbrokers to form one of Ireland s leading and most innovative specialist Structured and Alternative Investment providers. This expands Merrion s capacity and expertise in delivering fully and partially capital protected investments to our clients and to clients of Investment Advisors. DEPOSITS Within your myfunds Personal Portfolio you have a variety of deposit takers to choose from including Rabobank, Bank of Ireland and Ulster Bank. REAL ESTATE INVESTMENT TRUSTS REITs Investing in REITs is a liquid, dividend-paying means of participating in the real estate market. A REIT is a security that trades like a stock on the major exchanges and invests in real estate directly. Through your Personal Investment Portfolio you can invest in a variety of REITs by purchasing their shares directly. EXCHANGE TRADED FUNDS - ETFs An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like shares. An ETF can hold assets such as stocks, commodities, or bonds but most ETFs track an index, such as a stock index or bond index. ETFs are attractive investments because of the diversity they offer and also their low inbuilt fees.
9 myfunds from Merrion 8 There are two separate services available to you as follows: myfunds Advisory Service Your Personal Portfolio myfunds Execution Only Service myfunds Advisory Service myfunds Execution Only Service Your dedicated Advisory Portfolio Manager will provide a complete relationship service including personalised advice on the selection of securities and other tradable instruments based on your particular investment objectives. We strongly believe in the value of personal contact and in building lasting client relationships. Our independence is part of what differenciates us from the competition and our advice is recognised as being objective, with a reputation for presenting the facts in a straightforward manner. If you do not require a dedicated advisory portfolio manager or any advice from Merrion in relation to your Personal Portfolio then this service is for you. Merrion s Execution Only service provides direct access to equity markets and the various asset classes listed on the next page. It differs from online trading in three main ways: 1. We employ a qualified Execution Only portfolio manager to execute your trade. The process is very efficient and usually your trade can be executed whilst you are on the phone. 2. We ensure you get the best price available on the market whenever you trade with Merrion. 3. You will benefit from having access to a highly skilled Research Department and, should you wish, receive regular research information.
10 9 myfunds from Merrion myfunds offers you the following Beneficial/Direct Ownership A key differentiating feature of the myfunds service is that, unlike traditional fund or pooled type investment vehicles, you retain the beneficial ownership of the assets within both your Model and Personal Portfolios. This provides you with full visibility of the underlying assets as well as potentially significant tax advantages. Your Model Portfolios Within the Model Portfolio element of your myfunds account our investment team makes decisions on your behalf and trades collectively for everyone. Once the trades are confirmed, each individual investor s account is updated simultaneously. Your Personal Portfolio Within your Personal Investment Portfolio you literally have the investment world at your disposal. You can choose between the Advisory Service and Execution Only Service depending on whether you want to manage your portfolio yourself or require the assistance of our experienced Portfolio Managers. Transparency You can view your holdings and transactions through the myfunds portal. This gives you complete transparency with regard to the underlying holdings. Our investment managers produce a monthly portfolio report for the Model Portfolios (available online) detailing performance over the month. This includes the current asset mix, any significant changes that were made during the month and the rationale behind those changes. Liquidity There is no lock-in period, no bid/offer spread, no early exit penalties and, within your Model Portfolios, we will concentrate on investing in liquid assets. Tax Efficiency Because you retain the beneficial ownership of the assets within your account, you also get all of the related taxation benefits. Under current legislation, capital gains on many of the holdings within your portfolio can be offset against existing realised losses. Warning: The information in this brochure should not be used in any actual transaction without the advice and guidance of your accountant or tax adviser who is familar with all the relevant facts and your personal financial circumstances. The information may not be applicable to you, or suitable for your individual specific circumstances or needs and may require consideration of other matters. Diversity - Spreading Your Risk myfunds Model Portfolios invest in a range of underlying securities. This means that the risk is spread across many assets rather than being concentrated in one or only a few. In particular, within the myfunds Risk Weighted Systematic Portfolios, we make extensive use of Exchange Traded Funds (ETF s) to gain access to certain markets and sectors e.g. we might purchase an ETF which tracks the performance of an emerging market rather than purchasing one stock within that region. This has the effect of minimising the stock specific risk within your overall portfolio. Warning: The value of your investment may go down as well as up. You may get back less than you invest.
11 myfunds from Merrion 10 Merrion s myfunds service in summary The financial world is becoming increasingly complex and fast moving. Many investors do not have the time, inclination or knowledge to develop an understanding of the complexity of markets and individual investments and, indeed, to maintain that knowledge into the future. myfunds is the ideal investment vehicle because it offers a solution for those who want to benefit from professional asset management whilst, at the same time (and in the same structure), retain the ability to trade personally. The Model Portfolio element of your myfunds service is managed by a highly qualified investment team whose full-time job is to make investment decisions. Within your Personal Portfolio you have the freedom to invest as you wish with the assistance of our advisors and support from the Merrion research team and Chief Economist. Beneficial ownership of your assets gives you total transparency and potentially significant tax advantages over traditional funds. Liquidity today is more important than ever and the myfunds service from Merrion has no in-built exit constraints. Through the fee structure, your interests are aligned with Merrion s. In your myfunds Active Model Portfolios we do not charge any ongoing trading commission, just a management fee to support the professional management, reporting and administration of your account. We are motivated by performance so our investment team will be rewarded when your portfolio grows in value.
12 Tel: Fax: info@merrion-capital.com
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 informationINVESTMENT POTENTIAL,
ADD POWER TO YOUR INVESTMENT POTENTIAL, CHOOSE THE M&G ISA 2 CONTENTS What is an ISA? 3 The key benefits of ISA investing 4 Reasons to invest in The M&G ISA 6 What is a Junior ISA? 7 The key benefits of
More informationUnderstanding Irish Real Estate Investment Trusts. For Financial Advisor Use Only
Understanding Irish Real Estate Investment Trusts For Financial Advisor Use Only What is a Real Estate Investment Trust (REIT)? A REIT is a public listed company which has as its main activity the ownership
More informationGuaranteed Drawdown. Giving you confidence about your retirement income
Guaranteed Drawdown Giving you confidence about your retirement income 1 The new retirement landscape As you approach retirement, it s time to make those important financial decisions that will see you
More informationST. JAMES S PLACE INTERNATIONAL INTERNATIONAL INVESTMENT BOND
INTRODUCING THE ST. JAMES S PLACE INTERNATIONAL INTERNATIONAL INVESTMENT BOND THE ST. JAMES S PLACE PARTNERSHIP The St. James s Place Partnership is an elite group, made up of many of the most experienced,
More informationWHERE 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 informationA 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 informationTodays investor demands high quality service providers in the management of their personal wealth, a requirement we are pleased to deliver on.
Investing investing in In shares Shares made Made easy Easy Todays investor demands high quality service providers in the management of their personal wealth, a requirement we are pleased to deliver on.
More informationExchange-Traded Funds
Exchange-Traded Funds Exchange Traded Funds (ETF s) are becoming popular investment vehicles for many investors. Most ETF s are cost effective, broad market funds. We have put together a layman s explanation
More informationThe Use of Pooled Investment Vehicles for Ultra High Net Worth Investors. By Mark W. Castelin Director, Senior Investment Advisor
The Use of Pooled Investment Vehicles for Ultra High Net Worth Investors By Mark W. Castelin Director, Senior Investment Advisor A major challenge for a large segment of today s Ultra High Net Worth (UHNW)
More informationPREMIER 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 informationOUR 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 informationPrivate Wealth and Investment Management
Private Wealth and Investment Management PhillipCapital has a winning combination of experience, insight and value to offer investors. To become a client and access a full range of services, call us on
More informationYour Investment Options This guide sets out the investment options available on Synergy pension, savings and investment products
Your Investment Options This guide sets out the investment options available on Synergy pension, savings and investment products Contents 04 Why choose Standard Life? 06 Funds 09 Self-directed options
More informationInvestment 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 informationWhy Managed Funds Are One of Your Best Investment Options
Why Managed Funds Are One of Your Best Investment Options What Is A Managed Investment Fund and What are its Advantages? Managed funds are collective investments where a number of investors pool their
More informationInvestment Education Series
Investment Education Series Types of Investment Funds Introduction Investment fund basically refers to a pool of funds, but our focus in this edition of GTBAM education series is to highlight the features,
More informationOnline 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 informationExchange 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 informationSaving and Investing with Friends First
Times change, Friends don t. Investments with Friends First, stand the test of time. Pensions Protection Investments Saving and Investing with Friends First Conductor Savings Plan Conductor Investment
More informationPrinciples 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 informationA Guide to Hargreave Hale Portfolio Management Services
A Guide to Hargreave Hale Portfolio Management Services Need some help? Please contact your local office if you have any questions: London 020 7009 4900 Blackpool 01253 621 575 Bangor 01248 353 242 What
More informationGetting started as a self investor. Your guide to self investing
Getting started as a self investor Your guide to self investing Been saving for a while? Thinking about investing but unsure where to start? Investing is something many think is worthwhile but never get
More informationThe 4 Simplest Ways To Invest In Gold Today
The 4 Simplest Ways To Invest In Gold Today You ve finally found it! Possibly the most useful investment vehicle at your fingertips. I m talking about Gold! There are tons of reasons why investors and
More informationHow should I invest my Pension/Investment money? Thank you to AXA Wealth for their contribution to this guide.
How should I invest my Pension/Investment money? Thank you to AXA Wealth for their contribution to this guide. www.increaseyourpension.co.uk Welcome to making investing simple Investing doesn t have to
More informationSelf Invested Personal Pension
Self Invested Personal Pension Product providers for financial advisors A simple guide to securing your future Who are we? Wealth Options Ltd. is a leading distributor of innovative products to the Irish
More informationWelcome to Aspire. Expert financial advice for you
Welcome to Aspire Expert financial advice for you Welcome to Aspire At Aspire we have one goal in mind to give you the financial advice you need and complete peace of mind that your finances are in the
More informationGUIDE 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 informationAIB Regular Invest. This product is provided by Irish Life Assurance plc. Savings. Straightforward regular investing
Savings AIB Regular Invest Straightforward regular investing This product is provided by Irish Life Assurance plc. Drop into any branch 1890 724 724 aib.ie AIB has chosen Irish Life, Ireland s leading
More informationYour 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 informationPremier 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 informationGateway Portfolio INVESTMENTS PENSIONS PROTECTION
Gateway Portfolio About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the
More informationKENYA UNIT TRUSTS EQUITY FUND MANAGED FUND SHILLING FUND FIXED INCOME FUND
KENYA UNIT TRUSTS EQUITY FUND MANAGED FUND SHILLING FUND FIXED INCOME FUND African Alliance is an investment banking group operating in Africa. We provide local and on-the-ground investment banking services
More informationUnder the surface. Focus on ETF Liquidity. For professional clients only
Under the surface Focus on ETF Liquidity For professional clients only Introduction ETFs have been designed as highly liquid investment vehicles, allowing investors to establish both long and short term
More informationMETLIFE FUND LIST FOR NEW INVESTMENT
METLIFE FUND LIST FOR NEW INVESTMENT RETIREMENT PORTFOLIO - INVESTMENT BOND PORTFOLIO - TRUSTEE RETIREMENT PORTFOLIO - ISA PORTFOLIO MAY 2016 Contents 1 Introduction 3 2 Managing risk in investment management
More informationFinancial 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 informationDYNAMIC 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 informationTIME:EIS. Targeting asset backed investments
Targeting asset backed investments Contents Welcome to TIME 3 The Enterprise Investment Scheme 4 Introducing TIME:EIS 5 Our EIS Team 6 Risks 7 About TIME Investments 8 Fees 9 Time for action 10 Important
More informationCOMPANY 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 informationSelf Directed Portfolio
Self Directed Portfolio Contents 1. Introduction 4 2. Self Directed Portfolio overview 5 3. How does it work? 8 4. Technical details 24 5. Questions and answers 42 6. More information 44 3 1 Introduction
More informationExchange Traded Funds
LPL FINANCIAL RESEARCH Exchange Traded Funds February 16, 2012 What They Are, What Sets Them Apart, and What to Consider When Choosing Them Overview 1. What is an ETF? 2. What Sets Them Apart? 3. How Are
More informationETFs for private investors
ETFs for private investors Simple products. Sophisticated strategies. ETFs Exchange Traded Funds (ETFs) are instruments which track an index. Indices can be country or region specific and based on emerging
More informationINDUSTRY LEADING DERIVATIVES EXPERTS. www.insightcapitalstrategies.com Tel: 0141 375 1246
INDUSTRY LEADING DERIVATIVES EXPERTS www.insightcapitalstrategies.com Tel: 0141 375 1246 Insight specialises in generating tax-free capital growth by investing client funds using spread betting platforms
More informationReport of the Alternative Investment Expert Group: Developing European Private Equity
Report of the Alternative Investment Expert Group: Developing European Private Equity Response from The Association of Investment Trust Companies The Association of Investment Trust Companies (AITC) welcomes
More informationWealth management. Guiding private client investment strategies
Wealth management Guiding private client investment strategies 2 Managing private client wealth for over a century Our focus is on preserving and growing our clients wealth by providing experienced investment
More informationCapital Treasury Services. SIPP Solutions The Cash Option
Capital Treasury Services SIPP Solutions The Cash Option Self-Invested Personal Pension This is the name given to the type of UK Government approved personal pension scheme, which allows individuals to
More informationWhy Use Tideway s Final Salary Pension Transfer Advice
Tideway Why Use Tideway s Final Salary Pension Transfer Advice June 2015 Why Use Tideway Specialist Final Salary Transfer Advisers Taking a final salary pension transfer is a complex irreversible transaction
More informationFunds. All-in-one portfolios built using Vanguard s low-cost index funds
Investing The case made for index simple: fund Vanguard investing for LifeStrategy UK investors Funds All-in-one portfolios built using Vanguard s low-cost index funds The value of investments, and the
More informationSolutions Platform & Due Diligence Executing from the foundation of strategic asset allocation
Solutions Platform & Due Diligence Executing from the foundation of strategic asset allocation We emphasize a thorough, disciplined process designed to identify and monitor what we believe to be the best
More informationEagle Star Self-directed Pension
Eagle Star Self-directed Pension Customer Brochure Puts you in control About Zurich Life Zurich Life Assurance plc is a member of Zurich Financial Services group, an insurance-based financial services
More informationCorporate Risk Management Advisory Services FX and interest rate solutions for clients
Corporate Risk Management Advisory Services FX and interest rate solutions for clients Risk Management: The UBS Warburg approach UBS Warburg has built an outstanding reputation in the management of foreign
More informationUnderstanding investment concepts
Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published
More informationZurich Life Child s Savings Plus Plan. Customer Brochure
Zurich Life Child s Savings Plus Plan Customer Brochure Why invest for a child? Have you ever considered the money a child may need when they reach the age of 18? A good education is the basis of a good
More informationStock Exchange of Mauritius: Newsletter
Stock Exchange of Mauritius: Newsletter June 2016 INSIDE THIS ISSUE: 1 EXCHANGE INSIGHT: SEM interviews Gareth Stobie, Managing Director of Coreshares in the context of the listing on SEM of the CoreShares
More informationYour introduction to investing in funds. A question of balance
Your introduction to investing in funds A question of balance Welcome Like many things in life, investing is about balance. Investments can offer both risk and reward, and generally, the bigger the risk,
More informationRetirement Investments Insurance Health. Investment Portfolio
Retirement Investments Insurance Health Investment Portfolio Investment Portfolio from Aviva Whatever your financial needs, Investment Portfolio offers you a wide range of investment options, giving you
More informationUNDERSTANDING MUTUAL FUNDS. TC83038(0215)3 Cat No 64095(0215)
UNDERSTANDING MUTUAL FUNDS 10 % TC83038(0215)3 Cat No 64095(0215) Investing your hard earned money comes with some big decisions. So, before you invest, you need to ask yourself a simple question: What
More informationTD Direct Investing A Guide to ISAs
TD Direct Investing A Guide to ISAs Introduction The aim of this guide is to explain how an Individual Savings Account (ISA) works and the benefits to investors. We offer our services on an execution-only
More informationCore/Satellite Investing
For professional investors only Core/Satellite Investing Core/satellite portfolio construction aims to combine the most effective characteristics of index and alpha-generating strategies offering flexibility
More informationMutual Funds Made Simple. Brighten your future with investments
Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.
More informationINTRODUCTION INVESTMENT ISSUES AND CONSTRAINTS FOR PROFESSIONAL TRUSTEES THE BENEFITS OF INTEGRATED ADVICE HOW SCOTTISH WIDOWS CAN HELP
GUIDE TO TRUSTEE INVESTMENT This information is for UK financial adviser use only and should not be distributed to or relied upon by any other person. INTRODUCTION TRUSTEES ARE REQUIRED BY LAW TO TAKE
More informationMagnet Absolute. www.friendsfirst.ie. Introduction. Introducing Magnet Absolute. Magnet Absolute has two clear performance objectives
Pensions Protection Investments Magnet Absolute Fund Snapshot Asset Holdings Regions Diversification Risk Rating* Absolute Return - Multi 5 Funds low Fund Multi Key features Multi manager 8 3 high 4 asset
More informationThe UBS Core-Satellite investment approach Build wealth for the long term and make the most of your own investment ideas
The UBS Core-Satellite investment approach Build wealth for the long term and make the most of your own investment ideas StabiIity, opportunity and flexibility build the foundation for optimal results
More informationEXCHANGE Traded Funds
EXCHANGE TRADED FUNDS EXCHANGE Traded Funds Guide to listing on the Cayman Islands Stock Exchange Contents Introduction... 3 What CSX has to offer... 4 The listing process... 6 Conditions for listing...
More informationRetirement Annuity Contract & Self-Invested Personal Pension ( SIPP ) Company. Guidance Notes & Key Features
Retirement Annuity Contract & Self-Invested Personal Pension ( SIPP ) Company Guidance Notes & Key Features Background The Income Tax (Jersey) Law 1961 allows individuals to look after their own pension
More informationINVESTOR PORTFOLIO SERVICE (IPS) PORTFOLIO INVESTMENTS INVESTING WITH IPS.
INVESTOR PORTFOLIO SERVICE (IPS) PORTFOLIO INVESTMENTS INVESTING WITH IPS. This brochure tells you about investing in unit trusts, OEICs and ISAs with us, and supports the Key Investor Information Document.
More informationGuaranteed ISA. Including your guide to ISAs. Make the most of your hard-earned money with our Guaranteed ISA
Guaranteed ISA Including your guide to ISAs Make the most of your hard-earned money with our Guaranteed ISA Guaranteed ISA Make the most of your money Making the most of your money is important and one
More informationVaughan Asset Allocation Investment Program
12/31/2015 Investment Advisors To Multigenerational Investors Member FINRA & SIPC 1 A Separately Managed Account Description: The invests in various asset class securities, commonly Exchange Traded Funds
More informationPrivate Client Services. An eye for investment
Private Client Services An eye for investment An individual approach Managing an investment portfolio requires many attributes, from a clearly defined investment mandate to well resourced market and investment
More informationImportant information. Key Features of the Prudential International Investment Portfolio (Capital Redemption Option)
Important information Key Features of the Prudential International Investment Portfolio (Capital Redemption Option) > Contents About this booklet 4 About the Prudential International Investment Portfolio
More informationTax solutions for financial services firms
Draft Version 1 15/09/2015 Tax solutions for financial services firms PRECISE. PROVEN. PERFORMANCE. Tax solutions for financial services firms The Financial Services tax team at Moore Stephens provides
More informationGenerating Income in a Low Yield Environment
Generating Income in a Low Yield Environment Agenda Generating Income in a Low Yield Environment Introduction Why are Yields on all Asset Classes so low? Analysis of Interest Rates (EUR v USD v GBP Rates)
More informationSmartFunds. The smarter way to invest
SmartFunds The smarter way to invest What are SmartFunds? A simple smart hassle free way of accessing global markets SmartFunds is a range of investment funds, designed to cater for many types of investors.
More informationSpecial Savings Plus. Best Investment Manager 2006 (MoneyMate) protected funds
Special Savings Plus Best Investment Manager 2006 (MoneyMate) protected funds Saving for the future is a necessity for most people, and selecting the right savings method for you depends on the uses to
More informationPRINCIPAL ASSET ALLOCATION QUESTIONNAIRES
PRINCIPAL ASSET ALLOCATION QUESTIONNAIRES FOR GROWTH OR INCOME INVESTORS ASSET ALLOCATION PRINCIPAL ASSET ALLOCATION FOR GROWTH OR INCOME INVESTORS Many ingredients go into the making of an effective investment
More informationYour investment choice. Zurich International Portfolio Bond
Your investment choice Zurich International Portfolio Bond Investment choice The Zurich International Portfolio Bond (the plan) is provided by Zurich Life Assurance plc (Zurich), a member of the Zurich
More informationIntroduction to Investment Planning
Dunhill Financial Advisors Bob Fitt Branch Manager 1190 Old York Road Suite B Hartsville, PA 18974 215-675-8440 (215) 675-8440 Robert.Fitt@RaymondJames.com www.dunhillfinancial.com Introduction to Investment
More informationINVESTMENT BOND INCOME AND GROWTH, ALL IN ONE BOND
INVESTMENT BOND INCOME AND GROWTH, ALL IN ONE BOND PAGE 1 INVESTING GROWTH, INCOME OR A COMBINATION OF THE TWO? WHAT IS A BOND? THE INVESTMENT BOND AT A GLANCE PAGE 2 FINDING A BALANCE INVESTING FOR GROWTH
More information1 YOUR GUIDE TO INVESTMENT-LINKED INSURANCE PLANS. Contents. Introduction to Investment-Linked Insurance Plans (ILPs) How ILPs Work
Contents 02 Introduction to Investment-Linked Insurance Plans (ILPs) 07 How ILPs Work 11 Insurance Protection 12 Investment Returns 14 Fees and Charges 15 Key Questions to Ask & Documents to Note 18 Dispute
More informationBeaufort Self Invested Personal Pension. Key Features Document
Beaufort Self Invested Personal Pension Key Features Document Introduction The purpose of this document is to provide important information to help you to decide whether our SIPP is right for you. You
More informationglobal wealth manager the loyalty plan
global wealth manager the loyalty plan contents About Friends Provident International 3 Introduction 4 How international investing can help you 4 An investment that makes the most of international opportunities
More informationINVESTMENT MANAGER SELECTION
INVESTMENT MANAGER SELECTION Working Party: Graeme Charters, Hugh Cutler, Peter Rains, Bobby Riddaway Can retail investors exploit techniques used by investment consultants to financial institutions in
More informationAn IFSA guide to understanding managed investments
Getting the edge with managed funds An IFSA guide to understanding managed investments MAY 2007 >> PAGE 1 OF 6 Over nine million Australians have over $1 trillion invested in managed investments. This
More informationKey features of the Zurich Retirement Account
Key features of the Zurich Retirement Account Helping you decide This important document gives you a summary of the Zurich Retirement Account. Please read this before you decide to invest, and keep it
More informationTransact Guide to Investment Risks
Integrated Financial Arrangements plc Transact Guide to Investment Risks Integrated Financial Arrangements plc A firm authorised and regulated by the Financial Conduct Authority INTRODUCTION Transact operates
More informationKEY FEATURES OF THE OPENWORK PENSION ACCOUNT (SIPP)
KEY FEATURES OF THE OPENWORK PENSION ACCOUNT (SIPP) 2 INTRODUCTION The Financial Conduct Authority is a financial services regulator. It requires us, Investment Funds Direct Limited (IFDL), to give you
More informationRisk Warning Notice. Introduction
First Equity Limited Salisbury House London Wall London EC2M 5QQ Tel 020 7374 2212 Fax 020 7374 2336 www.firstequity.ltd.uk Risk Warning Notice Introduction You should not invest in any investment product
More informationFSC Guidance Note No. 31 Provisioning for Deferred Tax Assets. 19 December 2012
FSC Guidance Note No. 31 Provisioning for Deferred Tax Assets 19 December 2012 Purpose of this Guidance Note: To provide industry participants with guidance in the provisioning for deferred tax assets
More informationInvestment Management Services. Botswana
Investment Management Services Botswana 01 STANLIB Investment Management Services 02 STANLIB Botswana Money Market Fund 03 STANLIB Botswana Managed Prudential Fund 04 STANLIB Botswana Equity Fund 05 General
More informationSTAKEHOLDER PENSION SCHEME (UK, N+ & Global staff) A Guide to the Stakeholder Pension Scheme
STAKEHOLDER PENSION SCHEME (UK, N+ & Global staff) A Guide to the Stakeholder Pension Scheme The Stakeholder scheme is a money purchase scheme - this means it does not offer guaranteed benefits related
More informationDiscretionary 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 informationReferred to as the statement of financial position provides a snap shot of a company s assets, liabilities and equity at a particular point in time.
Glossary Aggressive investor Balance sheet Bear market Typically has a higher risk appetite. They are prepared or can afford to risk much more and for this they stand to reap the big rewards. Referred
More informationWealth 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 informationAIB Pensions. Saving for your retirement. This product is provided by Irish Life Assurance plc.
AIB Pensions Saving for your retirement This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers with a range
More informationALPHA DAY MANAGED ACCOUNT
ALPHA DAY MANAGED ACCOUNT About Us Logic Investments is an independent advisor providing stockbroking and investment management services to private investors, pension trusts and corporations. Our approach
More informationPension & 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 informationMetLife Income for Life Bond (UK and International) A guaranteed income for life s ups and downs
MetLife Income for Life Bond (UK and International) A guaranteed income for life s ups and downs If you are asking yourself... How can I get a better return than bank deposits now interest rates are so
More informationInvestment 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 informationBack to Basics Understanding Managed Funds
By Michael Lannon Back to Basics Understanding s Last year was a good year for investors in the share market. However it is important to not lose sight of the basics of investment. This month we look at
More information