Our Investment Process

Our investment process involves us assessing your tolerance to investment risk, and, if you choose the option, the regular monitoring of your fund selection and periodic rebalancing. The process is designed to ensure your investments continue to be managed in line with your agreed objectives and tolerance to risks. This includes the risks to your plans and your lifestyle should your investments suffer losses in the value of their capital in the short or medium term.

Establishing your attitude to investment risk is crucial to advising you. There is even risk in investing in deposit accounts because rates can vary and inflation can eat up your capital in “real money” terms. For some people however cash deposits will be the only suitable recommendation.

We use a short risk questionnaire to gather information used to assess your tolerance to risk and capacity for financial loss.  The questionnaire is provided by Barrie & Hibbert, a specialist provider of risk management and modelling tools to the financial services industry.  The results feed into a risk analysis tool to analyse your responses to the questions on the risk questionnaire.  This provides an indication of your potential tolerance to investment risk using a scale of 1 to 10, where 1 represents a low tolerance to risk and 10 represents a high tolerance to risk.  You will be provided with a description of the risk category which has been determined from the questionnaire.

We will discuss with you the risk category which has been calculated by the tool and what this may mean for your investment portfolio.  We will assess your knowledge and experience of investments and discuss with you potential alternative risk categories and risk descriptions in coming to a conclusion as to the most appropriate level of risk tolerance for you.

We will then use the selected risk category to choose an appropriate portfolio or fund designed to keep within your agreed tolerance for investment risk. If your attitude to risk is category 1 or 2 or your capacity for financial loss is very low we may recommend, after thorough discussion with you, cash deposits.

We will select your investments from outsourced portfolio offerings chosen as the most suitable to fit your overall investment circumstances and objectives. These may involve model portfolios of funds which we review and rebase periodically as agreed with you, actively managed multi asset funds, actively managed multi manager funds and passively managed multi asset funds or a mix of one or more of these. We will explain the pros and cons and costs attaching to each option.

We look forward to being of service to you and to having you on board as a client.