Key Benefits of our Wrap Portfolio Service
ü Asset Allocation strategy
ü Low costs, both start up and ongoing to enhance performance
ü Use of all tax breaks where possible, such as ISA’s and Capital Gains Tax allowances
ü Online access to valuations through our website if required
ü Free assessment and appraisal of your existing portfolio/investments
ü No minimum investment amount
ü Periodic reviews to assess and rebalance portfolios
ü Income and growth strategies
Asset Allocation
We believe that money should simply be a tool - a means to achieve the peace of mind and quality of life you deserve. With this in mind, we apply investment management techniques that have been shown, over time, to optimise returns while minimising risk.
We base all our portfolio recommendations on multi-class investing, which has over 30 years of proven performance in the market place. We do not pick individual stocks. Rather, we implement investing strategies that emphasise asset class allocation and minimum trading. The result is a portfolio that aims for a solid long-term rate of return while minimising expenses and taxes.
The pie chart below shows the main asset classes which we believe should form the fundamentals of any portfolio, no matter what the amount. The proportions allocated will depend on your existing assets, your risk perspective and views.
Experience has demonstrated that no-one can predict when each of these asset classes will have their ‘purple patch’ or their slower period. However what normally follows is that if in one asset class the returns have reduced, then normally this is compensated by improving returns in the other asset classes. It is reasonable to say that a portfolio with exposure to all asset classes has the potential to deliver more consistent and less volatile returns than a portfolio invested in just one asset class. The optimum split between these asset classes depends on your personal objectives for the portfolio and the level of risk that you wish to take. A more adventurous investor may have a higher weighting in equities whilst a more cautious investor will have a higher weighting in cash and fixed interest. It is our role to ensure that your portfolio is constructed to match your risk perspective and is personal to you.
Click this link to see annualised returns
Our philosophy
Our goal is not to beat the market, but to achieve a healthy rate of return that allows our clients to achieve their financial dreams without exposing them to unreasonable risk. By using investment management strategies that have been extensively researched and refined to work in both good times and bad, our clients can relax, knowing their portfolio has been specifically designed to withstand the day-to-day and year-to-year fluctuations in the market.
We believe that many investment portfolio services offered through Banks and other advisers are quite often expensive and inefficient. The higher the annual charges and portfolio fees the more reliant an investor is on the fund managers achieving above benchmark returns on a consistent basis. We have access to many institutional and specialist funds which are not usually available to retail investors. This brings considerable enhancements in terms of cost and asset allocation opportunities. Our Wrap Portfolio Service offers an extremely cost effective solution and is constructed in a manner that means low entry costs and low ongoing total management fees. Indeed our commitment to our clients is such that our remuneration depends on keeping you as a client long term. We will do this by way of agreed periodic reviews and updates and also have the facility for you to be able to track your portfolio online with real time valuations.
It is worth stating that the Wrap Portfolio Service may not be suitable for all clients and in this regard we would encourage you to take advantage of our free investment review service. Should we feel that you would be best suited by other products or services then we will make those recommendations to you in our capacity as independent financial advisers. Contact us