Investment portfolio management

How do you oversee my investment portfolio?

Always remember that it’s your money and you should be sure that it is being well looked after on your behalf, no matter who is managing it for you.  If you ask us to set up and manage your investment portfolio you can rest assured that you and all our clients will receive the same excellent service that includes our best investment advice and best investment portfolio management skills.  We don’t believe in setting up an investment portfolio and then leaving it to run itself – and you shouldn’t either – markets change too quickly and you could miss out.

We use a WRAP platform for our clients’ investment portfolios.  This ‘supermarket’, or ‘one stop shop’, has an enormous number of investment funds that are available in the market.  It means that you can benefit from the bulk buying power it affords in order to reduce the costs of buying and selling your funds.  It also enables you to hold any fund within any type of permissible tax wrapper such as pensions, bonds (onshore or offshore), and ISAs, tax rules dependent.

Secure access to your own WRAP account via the internet means that you can look at your portfolio every day if you want to.  Also, you can give us instructions to make changes to the various investments between tax wrappers without further form filling.  For example, to use your annual ISA allowance.

We watch the market daily /weekly in order to decide the best time to switch any investment funds into your chosen investment portfolio.

In summary:

  • We continually check the asset allocation for your investment portfolio should a rebalance be needed because of market volatility
  • We follow the movement of fund managers and their knowledge
  • We keep abreast of market opinions, movements and expectations
  • We examine and compare the performance and volatility of our constituent funds against the relevant sector and similar funds on a regular basis
  • Valuation statements are sent to you twice a year with an accompanying analysis of performance
  • You can monitor your investment portfolio online whenever you want to

What happens to my investment portfolio if I want to switch funds?

Your funds will rise and fall with the market at different rates.  Over time this will affect the overall investment risk of you portfolio and may take it away from your ideal (which would have been agreed between yourself and your independent financial adviser before you agreed to a particular investment portfolio).  If markets have been especially volatile, we will recommend that you give us permission to ‘rebalance’ your portfolio in order to restore your risk profile.

Equally as important, in different market conditions different funds realise better results.  Therefore, most importantly, if we think the market is going to either rise or drop considerably in value, we will advise you to change your investment portfolio to fit the conditions at the time.  We can then carry out appropriate switches of your funds in order to minimise the downward risk on your investments.  Indeed, when a fund switch recommendation is carried out, as well as withdrawing from deselected funds and switching into more favourable ones, we may also rebalance your whole portfolio at the same time.  This is to ensure that you investment portfolio remains in keeping with your overall financial plan.

Any further questions regarding investment portfolio management?

If you would like more information on investment portfolio management please call us on 01763 232326 or Email us.

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