Tailored Portfolio Management Service. Investing with purpose and insight

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1 Tailored Portfolio Management Service Investing with purpose and insight

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3 Tailored Portfolio Management Service With a history of working closely with wealthy individuals, we take pride in the insight we can offer in developing and delivering investment strategies.these enable clients to realise not just their financial goals but also their wider personal objectives. Tailored Portfolio Management Service 1

4 Investing with purpose and insight Whatever an individual s level of wealth, it is important to invest it wisely and with a clearly defined sense of purpose. The Tailored Portfolio Management Service ( the Service ) is an investment management service for ultra high net worth individuals which is designed with an inbuilt flexibility to accurately reflect their financial and personal objectives. The Service is a truly personal one, its success founded on a strong and effective relationship between each client and their dedicated portfolio manager.this relationship is the cornerstone of the service, helping to provide not only a full understanding of the client s initial objectives but also a communication channel to explain our investment views and to help recognise when the client s needs and circumstances change. Of course, an understanding of our clients financial and personal objectives would be of little value without the necessary skills and financial insight to deliver against these objectives.the Service provides investment products and services that are at the fore front of private client investing, and our membership of The Royal Bank of Scotland Group enhances our ability to remain at the forefront of the investment management industry. 2 RBS Coutts

5 Clarity of purpose At RBS Coutts, we understand the world in which our clients live. For ultra high net worth clients, experience has taught us that whilst their financial status provides for great opportunity, it also brings with it some challenges. It is for this reason that we emphasise the importance of understanding each client s objectives before beginning to develop a suitable investment solution. This may sound obvious but, in reality, it is an approach that represents a genuine point of difference. Conventional investment management services are usually based on a somewhat straightforward process which considers risk and return criteria. In contrast, the Service takes as its startingpoint an in-depth understanding of how each client wishes their wealth to work for them, both now and at various stages during their life as their circumstances change. Some clients wish to be involved in the investment decision-making process once an investment strategy has been developed, others wish for their investments to be handled on their behalf. With this in mind we offer the Service on both an advisory as well as a discretionary basis. We will work with each client to ensure that, at any given time, their portfolio is designed with the objective of delivering what they want from their wealth, and performs against our ambition of generating industry leading risk adjusted portfolio returns. Tailored Portfolio Management Service 3

6 An expert team We ensure that we are always in touch with our clients and that they may have access to a professional who understands their investment objectives. And we are proud of the continuity of the service we provide. Our people get enormous satisfaction from delivering on our commitment, which means they tend to remain with RBS Coutts for much longer than the industry average. Each dedicated portfolio manager is the key individual responsible for ensuring that the Service delivers against our clients financial and personal objectives, but behind him or her stands a large, and widely experienced, global team of investment specialists and bankers. Teamwork and integration are of the essence: we believe that employing expert professionals is of little value unless they work together in a way that combines and blends their complementary skills and knowledge, to deliver against each client s specific requirements and expectations. 4 RBS Coutts

7 Individual dedication collective expertise Of course, an exceptionally high standard of personal service makes life easier for our clients. But, more important still, it underpins the flexibility of the Service enabling us to respond rapidly and appropriately, as our clients needs, circumstances and goals evolve over time. As the foundation on which to develop and deliver our clients investment strategies, we focus on each asset allocation. Making the right decisions across a wide range of global asset classes from equities and bonds to currencies and commodities is the most important factor in determining overall investment performance. With a broad strategy for asset allocation in place, our investment management team can focus on fine-tuning each individual client s portfolio through the intelligent use of a wide range of investment strategies and products. Our highly progressive approach has been used extensively by institutional investors in recent years, but is yet to be widely adopted by private client wealth managers. Similarly, many of the investment products used by the Service may not normally be accessible to individual investors. In short, our methods as well as our expertise put us at the leading edge of modern investment management.yet, while our approach is innovative and sophisticated we never over-complicate matters unnecessarily. Tailored Portfolio Management Service 5

8 Clarity of insight We aim to optimise the performance of each client s portfolio. Through the innovative use of sophisticated modelling techniques, our global research and portfolio management teams constantly monitor and analyse markets enabling us to make any necessary adjustments, from a subtle recalibration to a major shift in strategy, to ensure that each client s portfolio remains in line with their objectives. Where we believe we can add value and/or reduce portfolio costs through an intelligent use of the various routes to market, we will utilise an optimal blend of individual stocks and fixed income securities, structured products or other alternative investments. We recognise that no financial institution has a monopoly on investment talent. Therefore we have led the way in developing the multi-manager approach, selecting, through a process of rigorous, continuous assessment, some of the world s leading investment managers within each asset class and market. 6 RBS Coutts

9 Working for you If you would like to know more about our Tailored Portfolio Management Service, or any other of the extensive range of wealth management services provided by RBS Coutts, please contact your private banker. Tailored Portfolio Management Service 7

10 Important Information RBS Coutts Bank Ltd. Stauffacherstrasse 1, 8022 Zurich, Switzerland. Licensed by the Swiss Financial Market Supervisory Authority FINMA for banking and securities dealing. The price and value of investments mentioned and any income that might accrue, can go down as well as up, and you may not recover the amount of your original investment. Past performance should not be taken as a guide to future performance. Where investments involve exposure to a foreign currency, changes in rates of exchange may cause the value of the investment, and the income from it, to go up or down. In the case of some investments, there is no recognised market for them and it may therefore be difficult for you to deal in them or obtain reliable information about their value or the extent of the risks to which they are exposed. The information in this document is not intended as an offer or invitation to buy/sell securities or any other investment or banking product, nor does it constitute a personal recommendation. Nothing in this material constitutes investment, legal, credit, accounting or tax advice, or a representation that any investment or strategy is suitable or appropriate to your individual circumstances, (or otherwise constitutes a personal recommendation to you). The information in this document is believed to be correct but cannot be guaranteed. Opinions and forecasts constitute our judgement as at the date of issue and are subject to change without notice. Alternative investments, derivative or structured products are complex instruments that typically involve a high degree of risk and are intended for sale only to investors who are capable of understanding and assuming the risks involved. Please note that deposits placed with any of the overseas companies in the RBS Coutts group of companies do not fall within the scope of the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act Coutts Investment Programmes are intended solely for non-us investors and are not registered under the US Securities Act of 1933, as amended (the 1933 Act ), nor under any similar or analogous law enacted by any state of jurisdiction other than the US. In addition, Coutts Investment Programmes may not be offered, sold or transferred directly or indirectly in or into the US or to any US person (as defined in Regulation S under the 1933 Act). Certain aspects of the service may be performed through, or with the support of, different members of The Royal Bank of Scotland Group, of which RBS Coutts is a member. Not all products and services offered by the individual companies which make up RBS Coutts are available in all jurisdictions, and some products and services may be available only through particular RBS Coutts companies.the analysis contained in this document has been procured, and may have been acted upon, by RBS Coutts and connected companies for their own purposes, and the results are being made available to you on this understanding.to the extent permitted by law and without being inconsistent with any applicable regulation, neither RBS Coutts nor any connected company accepts responsibility for any direct or indirect or consequential loss suffered by you or any other person as a result of your acting, or deciding not to act, in reliance upon such information, opinions and analysis. RBS Coutts Bank Ltd Singapore Branch. RBS Coutts Bank Ltd is a merchant bank approved as a financial institution under the Monetary Authority of Singapore Act, Chapter 186 of Singapore and an exempt Financial Adviser under the Financial Advisers Act, Chapter 110 of Singapore and an exempt capital markets services licence holder under the Securities and Futures Act, Chapter 289 of Singapore.The registered address for RBS Coutts Bank Ltd, Singapore Branch is 50 Raffles Place, #06-01 Singapore Land Tower, Singapore RBS Coutts Bank Ltd, Hong Kong Branch, is an authorised institution within the meaning of the Banking Ordinance (Cap. 155, the Laws of Hong Kong) and a registered institution (CE Number: ABR813) under the Securities and Futures Ordinance (Cap. 571, the Laws of Hong Kong) carrying on Type 1 (dealing in ecurities),type 4 (advising on securities) and Type 9 (asset management) regulated activities.the registered address for RBS Coutts Bank Ltd, Hong Kong Branch, is 26/F AIA Central, 1Connaught Road Central, Hong Kong. RBS Coutts (Cayman) Limited. Registered office: Coutts House, 1446 West Bay Road, PO Box 707, Grand Cayman KY1-1107, Cayman Islands. Licensed under the Banks and Trust Companies Law (2009 Revision). Coutts & Co is authorised and regulated by the Financial Services Authority. Coutts & Co is registered in England No Registered office: 440 Strand, London WC2R 0QS. The Royal Bank of Scotland International Limited (RBS International) trading as RBS Coutts Channel Islands. Registered Office: P.O. Box 64, Royal Bank House, 71 Bath Street, St. Helier, Jersey JE4 8PJ. Regulated by the Jersey Financial Services Commission. Business address: Broad Street, St Helier, Jersey JE4 8ND. Regulated by the Guernsey Financial Services Commission and licensed under the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 and the Protection of Investors (Bailiwick of Guernsey) Law, 1987, as amended. Guernsey business address: P.O. Box 62, Royal Bank Place, 1 Glategny Esplanade, St. Peter Port, Guernsey, GY1 4BQ. Trading in the Isle of Man as RBS Coutts Isle of Man. Licensed by the Financial Supervision Commission of the Isle of Man and registered with the Insurance and Pensions Authority in respect of general business. Business address: Royal Bank House, 2 Victoria Street, Douglas, Isle of Man IM99 1NJ. Calls may be recorded. RBS Coutts Trustees (Channel Islands) Limited. Registered Office: PO Box 6, Broad Street, St Helier, Jersey JE4 8ND. Regulated by the Jersey Financial Services Commission for carrying on trust company business. Please note that the editorial opinions expressed in this document are those of RBS Coutts Bank Ltd except where provided by external authors. 8 RBS Coutts

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12 RBS Coutts Bank Ltd Licensed by the Swiss Federal Banking Commission for banking and securities dealing Stauffacherstrasse 1, PO Box 8022 Zurich Switzerland Telephone +41 (0) Facsimile +41 (0) /10 RBSCOU003EN CH