This chart represents our Medium Risk Model Portfolio, which is detailed in green, compared to the UT Mixed Investment 20-60% Shares Index. Over the last 5 years, our strategic asset allocations have outperformed the Index by 21.07%! We are independent, directly regulated via the FCA and use many different platforms. (Source; FE Fundinfo Jan 2024.)
1. How have we achieved this?
We adopt a unique process, where we undertake proactive asset allocation decisions. What this means for you as a client, is that we will contact you, along with all of our clients, to position your investments in advance, to capitalise upon asset allocation positioning. We analyse what asset sectors offer the most attractive opportuniites, given the next 12 months, and position clients investments accordingly. We will consider the Global Macro environment and reduce volatility exposure when we feel appropriate and increase this to capitalise upon opportunities when advisable to do so.
2. Is Proactive advice what every one offers?
Quite simply no. Generally, your adviser will only make changes to your investments when undertaking a review, maybe 6 monthly or if you are unlucky annually. The main difference in our approach is that our changes are proactive and others are reactive. We therefore are looking to capture all of the potential upside by making an allocation or perhaps more importantly in recent years protecting clients assets immediately. This is a unique service.
3. What portfolios do we provide?
Once we have assessed your attitude to risk, we can then use the correct risk related portfolio to reflect the exact degree of volatility you are happy with. We therefore run a multitude of different portfolios for a variety of risk categories as well as products, ISA's Pensions, and General Portfolios. Everything is tailored to you individually.
4. How much does this cost?
We have always endevoured to provide a fair charging policy, one that reduces, the more money we look after. In addition, we dont make any adhoc charges for making changes to clients investments, thats all part of our service. We provide an advisory service, so no VAT charges, it simply means we will request your permission before proceeding with any changes, so you have an understanding of what we are proposing and why well in advance. We will happily ouline our costs to you by a simple phone call.
5. How often do we monitor your investment?
By providing a proactive advisory service, it enables us to monitor our Model Portfolios daily. The key benefit to you is that we know exactly how our portfolios are perfomrning every day. As a result we have never had a client complaint, as we contact you if things need addressing.
If any changes are necessary we are aware immediately and address this by recommending appropriate portfolio changes. A good example of this can be seen around Jan 2022 in the chart above, when the Fed announced raising interest rates. We immediately repositioned clients portfolios removing long duration Fixed Interest funds and adding to short duration positions. Furthermore, as a result of Russia's invasion, we added a number of strategies, including Commodiites, World Energy and Agriculture funds, for a play on rising Oil costs, scarcity of commodities and rising food production costs.
Every asset allocation change we have made to clients investments is denoted by a diamond along the performance line. Our last detialed change was June 23, which has resulted in capturing most of the market upside, but dramatically reducing downside risk.
All of these actions combined add to our overall performance.
If you would like an informal chat about your circumstances then please contact us here
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