service-banner-image

A wide range of investment options

Whether your financial affairs are UK based or extend internationally, whether you are making your first investment for your own future, or investing for the generations to come, and whether you need capital growth or income, we can help you reach your wealth goals.

Logo of website
Our investment approach

We start by taking time to understand your life circumstances and financial goals

Your portfolio is actively managed by our team of investment professionals. Or, if you prefer to make your own investment decisions, our execution-only service is available.

By appointing us as your investment manager, you have the benefit of:

  • A portfolio matching your risk appetite, determined by your personal preferences and goals
  • Access to a specialist team of advisers that seek out the best global opportunities for you
  • A wide range of investment strategies from a global universe of investment opportunities, with no home bias
  • Diversification across asset classes, companies, geographies and industry sectors
  • Active currency management that allows the investments to be truly global

Find out how we can help you

If you are interested in finding out more about our managed investments service or would like to speak to an investment specialist, contact us

Our investment philosophy

We make considered decisions on your behalf, with a focus on minimising risks

  • Guided by principles

    Our core investment principles are constantly taken into account in our investment discussions and, ultimately, in the way we manage client portfolios and the investment decisions that we make

  • Our five core principles

    1. Asset allocation is an important driver of returns. We actively allocate between five major asset classes: cash, bonds, property, equities, and alternative investments, adding shorter-term tactical ‘tilts’ within your investment portfolio.
    2. Diversification can reduce risk by combining a range of assets with different risk and return characteristics.
    3. Risk needs to be properly understood and managed.
    4. Investment is for the long term.
    5. It is crucial to manage costs.

Our difference

We offer access to interesting global investment opportunities

Studies indicate that using an investment manager to remove emotions could save the average investor 2% per annum. This loss rate represents poor decisions made from fear or greed, instead of data and facts. Removing emotion is essential, and our investment team has processes designed to do just that.

  • Global investing

    Our approach is global, multi-asset and multi-manager, with no home bias. Primarily fund-based, but with some direct investments, it allows us access to the best research talent in the world.

  • Active currency management

    We manage currency exposures separately, so we can choose investment assets from the global universe regardless of the base currency, while managing currency risk.

  • Distinct alternative investments

    Our boutique size means we can tap into opportunities and explore themes not usually viable for larger managers.

Frequently asked questions

 

What is a fund-based approach?

Instead of investing in direct shares of companies, we use funds, which provide access to a collection of investments for a particular purpose.

What are the direct investments you use?

Social Care homes, renewable energy infrastructure, song royalties, and asset-backed lending are directly accessed via listed Investment Trusts.

Can I buy stocks and shares?

Yes, this is available within our execution-only service.

Can I view my investments online?

We offer investment reporting both online or through our mobile application.
faq_featured_image
Tailored to your values

We have six strategies available in three currencies which can also cater for clients with sustainable preferences

Our aim is to provide returns that are within your risk tolerance and designed to meet your long-term investment goals. All strategies have multiple models to reflect investor tax preferences. Our global exposure, with managed currency overlay, reflects our more progressive approach to strategic asset allocation than the typical industry approach, which remains UK biased.

Global multi-asset
The strategies include global cautious, global balanced, global steady growth, and global growth.

Global equity
Our global equity investment strategy is designed for clients that are looking for pure equity exposure, while taking advantage of the strength of our investment research capabilities and risk management framework.

Global income
Our global income investment strategy aims to generate an income, together with low volatility. With this strategy, you can choose to receive a regular income stream or reinvest your returns.

You may also be interested in

Read more about the range of services you can choose from

featured_image
Our investment teams

The breadth and depth of knowledge and experience

A team of experienced UK-based investment professionals carry out investment research, choosing the best-in-class investments and boutique managers for our portfolio construction.

In the Isle of Man, a professional team carries out the portfolio recommendations across client portfolios, making sure that client outcomes are consistent with the expectations set by the original investment case.

Governance of the discretionary managed portfolios is ultimately the responsibility of our board-appointed Investment Committee that meets monthly in order to check the ongoing conformance and appropriateness of our client solutions.

Risk management

We look beyond market and investment risks

We monitor a number of additional risks that can impact the potential to meet your long-term financial goals

Concentration risk – investing too much in too few assets
Savings risk – saving less than you expected
Longevity risk – living too long on the money you have
Inflation risk – sustained price rises eating into your wealth
Event risk – not planning for an unexpected event

We use sophisticated holdings-based risk analysis to manage risks and influence portfolio construction. In addition, we constantly monitor the risks in the underlying funds.

Risk management
Related case studies

Read about more clients we have helped

We have helped countless clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

View all
Frequently asked questions

 

What does risk mean?

Investment risk is the possibility that an investment will fail to achieve an expected return. Risk nearly always describes the possibility of losing money, while volatility refers to the fluctuation in price of an asset.

What does volatility mean?

Volatility refers to how much the value of your investment moves up or down. It is normal and expected when investing.

What currencies can I hold my investments in?

They can be held in sterling, US dollars or euros.

What fees and charges are applied?