Investments

Investing capital is always a concern for most people as we don't really like taking risks as humans and no-one wants to lose money. Investing hard-earned capital is a daunting task. We will only utilise regulated products, which is vital in terms of ensuring peace of mind for both client and adviser.

In conjunction with Elston Portfolio Management we construct and manage our own model portfolios utilising technology provided by Financial Express. These are constructed using risk parameters to provide global exposure via funds which we consider offer the potential to outperform. They will combine active and passive / tracker funds to offer value for money.

Elston provide us with London-level research and analysis and sit on our joint, investment committee to provide a robust and efficient analysis on an ongoing basis. In addition to the added layer of research, we can manage these portfolios on a discretionary basis as well as advisory. Discretionary means as and when we make a fund change, we can update all of our client portfolios at the same time, without your prior consent, bringing about significant timing efficiencies to ensure everyone is always in the correct funds and models. In these times of global instability, the ability to offer this service is vital.

We will assess your risk profile and capacity for loss and listen to your needs and then aim to provide suitable solutions to your requirements. We utilise the sophisticated Financial Express Analytics system, which provides comprehensive fund and portfolio performance comparisons. We can produce a summary of your investments and assets via our Portfolio Reports and you even have access to our online portal if required.

The following is an indication of the types of products we consider,

Unit Trusts
Investment Trusts
Open Ended Investment Companies (OEICs)
Offshore Investments*
Investment Bonds
Structured Products
Enterprise Investment Schemes
Venture Capital Trusts
Individual Savings Accounts (ISAs)
National Savings
Premium Bonds*
Exchange traded funds (ETF)
Tracker funds
Deposit Bonds
Cash ISA's

**Please note that the Financial Conduct Authority does not regulate Offshore Investments and National Savings products including Premium Bonds.

THE VALUE OF INVESTMENTS AND INCOME FROM THESE INVESTMENTS MAY GO DOWN. YOU MAY NOT GET BACK THE FULL AMOUNT INVESTED. EQUITY INVESTENTS DO NOT AFFORD THE SAME CAPITAL SECURITY AS DEPOSIT ACCOUNTS. WHEN INVESTING, YOUR CAPITAL IS AT RISK.

We also work with a number of Discretionary stockbrokers if a personalised, specific service is required where single company shares are involved. These include Brewin Dolphin, Brooks Macdonald, Hargreaves Hale, Charles Stanley and Albert E Sharp. The industry has evolved dramatically over the last 5 years and platforms now dominate the market. These are effectively online administration systems that simplify the process for holding multiple investments and wrappers. They provide a valuable resource in managing portfolios and producing reports and performance data. A further benefit is client online access allowing you to view your portfolio anywhere in the world, 24 hours a day. There are a wide number of Platforms and wraps available and true to our Independent status we utilise various including Transact, Fidelity Fundsnetwork, AJ Bell Invest centre, Aviva wrap and James Hay.