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ABOUT US
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SERVICES
PORTFOLIO MANAGEMENT
We construct bespoke portfolios for individuals, private estates, trusts, pension funds and corporate bodies. The reason for only constructing bespoke arrangements is that we are of the size that allows us to do so.
There are no plans to alter our style as we would rather be thanked for our individual approach and get it right, rather than fit each of our client/investors into a box and become average for the sake of squeezing extra profits.
When constructing portfolios, we use Open Ended Investment Companies or their European counterparts UCITS/NURS, which are better known as mutual funds or collective investment schemes. We tend not to use individual stocks and shares as, quite evidently individual shares have become more volatile than 10 years ago. The slightest profit warning can result in 20% or more being wiped off the share price in a split second. To do this requires access to ongoing daily analysis of each share by an independent analyst.
Pure investment houses employ these analysts so that the chances of being caught out by a profits warning are greatly eliminated.
Where we add value is by knowing the top managers in the country and through asset allocation. A fund manager cannot asset allocate as this is already defined for him by being in a particular Sector eg. UK Growth. Clearly it is unwise to have most of our money in one sector e.g. the U.K, but strangely this is what most people do.
DISCRETIONARY V ADVISORY SERVICE We are able to offer either a discretionary or advisory service for your investments and the main differences between the two are highlighted below: | Discretionary | Advisory | | We take all investment decisions | Investment decisions are ultimately yours | No additional forms to switch investments | Waiting for forms and authorities causes delays, therefore not so efficient | Easier to take advantage of market trends | Possible delays in taking advantage of market trends | No delays in waiting for cheques to be sent and to clear, therefore better potential for capital appreciation | Cheques often have to be sent payable to the client, this creates delays in clearing funds and re-issuing a new cheque for re-investment | Fee based on portfolio valuation at 1% p.a.+ VAT (unlike the usual 1.0 to 1.25% charged by Banks and Stock Brokers which tend to have a £1,000 minimum fee and no £100 - £250,000 minimum value) | | 3% adviser fee (commission) re-invested to client’s benefit on all investments | Commission based on amounts invested or re-invested, typically 3%. | No cost to transfer existing assets into our Discretionary Portfolio Service | | Bi-annual valuation with annual Capital Gains Tax Service and full transaction history included | Valuation/Capital Gains Tax Service incurs additional charge | All assets are held in a segregated nominees account and ring fenced from any company going into liquidation | You are ultimately responsible for proving you own each investment we make for you. | Ability to include share portfolios in the service | No ability to include share portfolios | No ongoing paperwork, as a nominees account is a paperless system | Excessive amounts of paperwork |
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INHERITANCE TAX
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SERVICES
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