OUR PENSION PORTFOLIO PROGRAMME
For years people have been worrying about their pension funds because of negative press about under performing pensions both personal and company and a lack of clear information regarding pensions. This has resulted in a negative view of pensions in general.
The importance of the investment element of pension plans has been underestimated and the concept of the Tax bene?ts alone has been the major driving force.
Through the use of detailed computer modelling, our Pension Portfolio Programme provides an in depth analysis of your existing schemes focusing on charges, ?nancial strength and performance of the underlying assets.
If you become a client this is monitored on a regular basis to increase the overall growth and reduce the risk to your pension funds.
We provide our clients with an optimal mix of assets which aim to give a higher potential return for any given level of risk and steadier investment growth than would otherwise be expected.
OUR INVESTMENT PROGRAMME We follow proven methods of successful long term investing, providing our clients with the means to meet their investment objectives. The key areas of our investment programme are as follows:
Asset Allocation
Different asset classes normally tend to rise and fall in value at different times. Harry Markowitz was awarded the Nobel Prize for his work showing that asset allocation is the most important factor in determining the performance of investment portfolios a method that we adopt within our Investment Programme. Whilst effective asset allocation alone cannot offer complete protection from the effects of the kind of volatility we have recently experienced it can offer the ability to reduce risk and improve performance.
Fund Selection
Our first priority is to accurately assess you risk tolerance profile utilizing our risk tolerance questionnaires. Only when that is completed and agreed between us can we move to the next stage.
The next stage is to arrange a suitable asset allocation mix which will fit with the agreed risk profile. We make use of our highly sophisticated software in order to choose the most appropriate managers and funds within each sector. By selecting those fund management companies with special areas of expertise and those fund managers with a history of strong performance, an effective combination of funds can be compiled. Other factors we consider when recommending funds include:
- Consistency of fund performance
- Fund risk
- Value/growth orientation
- Small/large cap orientation
- Fund size
- Industry holdings
- Underlying stock holdings
- Credit agency ratings
- Fund correlations
- Manager tenure
OUR ASSET PROTECTION PROGRAM
It is paramount that you know the risks that could reduce your wealth and assets and how to protect them against the unexpected or the inevitable. This may be beneficial to you if you are just starting out or have achieved your goals regardless of whether you have liabilities or not.
Our aim is to advise you how you can minimise the risk of erosion of your assets and wealth against the following:
- Loss of Income
- Illness
- Inheritance Tax
- Death
- Long Term care
- Taxation
- Creditors
For a full assessment of your own situation whether you are an individual or a company please contact us for a consultation
The Financial Services Authority does not regulate taxation advice
