Investments
Make your money work for you.
Investing is one option to help you grow your wealth over your lifetime to achieve your goals, which could impact your lifestyle and financial security.
Discretionary Investment Manager (DIM)
We recognise our clients have a range of needs and goals, which means we need a wide range of investment options to accommodate. We will work with you to find the right solution as well as providing a transparent service/fee structure.
If you prefer to relax and let the experts manage your investments for you, then a discretionary managed service could be the right choice for you. We work closely with our portfolio managers to identify the best investments to achieve your financial goals.
A Discretionary Investment Manager (DIM) is a professional who manages investment portfolios on behalf of their clients.
The DIM has the authority to make investment decisions on the client’s behalf without seeking their approval for each transaction.
The DIM is responsible for ensuring that your portfolio remains aligned with your investment objectives and risk tolerance over time.
One of the benefits of using a discretionary investment manager, is their ability to react quickly to market changes, while you enjoy the peace of mind that comes with professional investing.
For those clients who want oversight of the portfolio on a day-to-day basis from investment experts.
Model portfolios
Model Portfolios are an ideal solution for those who want to invest but do not have the time or expertise to choose their own investments. Model Portfolios provide you with a simple and cost-effective way of accessing a diversified managed portfolio of investments. Choose the portfolio best suited your risk profile.
Diversify investments in an easy-to-use and easy-to-understand package.
Reduce investment management costs when using low-cost, tax-efficient exchange-traded funds (ETFs).
Diversification in an investment strategy that helps investors reduce risk by distributing funds across multiple financial assets, categories, and industries.
In the realm of investments, the dynamic relationship between risk and return is pivotal. It’s important to recognise that not all risks are created equal – some are beneficial, while others are less desirable. Market fluctuations are inherent, with ups and downs being a constant. Opting for a higher exposure to the right risk factors may imply the potential for increased returns, though it doesn’t guarantee them. Striking a balance is key.
In the intricate world of capital markets, the price investors are willing to pay hinges on the comprehensive information available. Choosing to invest in the world’s most successful companies is a strategic move geared towards long-term growth.
Diversification stands as a fundamental principle, advocating for the judicious spreading of investments across various asset classes and geographies. Essentially, it entails avoiding an overconcentration of any specific type of investment in a particular area.
Simplicity is at the core – the costs associated with your investments directly impact your returns. Our philosophy revolves around minimising investment and transaction costs wherever feasible, ensuring you retain more of your returns.
Outperforming the market consistently is a rare feat. Extensive research indicates that active fund managers experience sporadic bursts of success. There’s evidence supporting the notion that passive fund management can deliver reliable returns over time, which is why we look to adopt a hybrid approach.
Investor behaviour plays a pivotal role in the performance of investments. Emotional decisions driven by current events can negatively impact your portfolio. Recognising that time in the market surpasses attempts to time the market is crucial for achieving sustained success and securing your long-term financial future.