Choosing Investment Assets
There are many thousands of fund options in the investment marketplace. Distilling those thousands down to an approved range is achieved through extensive research and analysis.
We examine not only the past performance of a fund, but also other factors such as the potential for growth under current economic conditions, the underlying financial structure of the fund provider, their ethical position and the quality of their systems.
Our approved list is subject to continuous review and adjustments to our clients’ managed portfolios are made accordingly.
Regarding the investment products themselves, we will usually recommend a balanced and varied portfolio that is built according to the client’s attitude to risk and objectives. This could include the following different investment vehicles:
- Investment Bonds (onshore and offshore)
- Venture Capital Trusts
- Enterprise Investment Schemes
- Business Property Relief Schemes
- Structured Products
- Collective Investments (Open-Ended Investment Companies and Unit Trusts)
Some investment products are suitable for most investors, whilst others offer a more specialist route. Each will invest to varying degrees in equities (stocks and shares), fixed income (gilts and corporate bonds), property and cash; each also has its own tax treatment and risk rating.
We will usually recommend a balanced and varied portfolio that is built according to the client’s attitude to risk and objectives. We will match the choice of product and underlying investment strategy to your risk profile and ensure that you take advantage of any tax efficiencies available.
Tailoring your Portfolio to meet your needs
Your financial planner will work with you to establish the investment parameters that will shape the recommendation we make in respect of your portfolio. This will include:
- Analysis of your current financial position and your understanding of financial matters
- Evaluation of your needs, goals and expectations now and in the future
- Assessment of your attitude to risk and capacity for loss
- Exploration of other factors such as ethical considerations
Once we have a full picture of your investor profile, we can select suitable investments and the appropriate S&P Investment Management service.
Contact us to discuss your investment portfolio.
The value of your investment can fall as well as rise and you may get back less than you have invested.