The background to the investment advice that we provide is as follows:

  • There are over 1500 investment funds available to investors in the UK.
  • From this we have selected a sample of no more than 60 funds. These have been chosen on the basis of their relative past performance, current management team, acceptable volatility record and liquidity.
  • The funds are spread across various asset classes.
  • Each week we measure the performance of our preferred funds against selected benchmarks. For example, a UK equity fund is measured against the FTSE All Share index. This frequently tested information helps identify funds that behave irregularly.
  • In addition, each quarter our team of 4 meet to assess the weekly movements in the previous 13 weeks and decide whether to remove funds from our preferred sample and/or add funds in.
  • Before we recommend investments to clients we focus on their needs (capital growth, income) and degree of risk that they wish to take – ranging from low (the next step away from cash) to high (mainly equities).
  • It is an essential part of the investment advice process to ascertain the level of acceptable risk that a client may take. To do so, it is important to take note of other existing capital and income enjoyed by the investor.
  • We pay particular attention to ‘cross insuring’ assets. For example, a portfolio may contain 50% equities and 50% index linked gilts. In a market where equity prices are falling, index linked gilts may increase. Combining such assets within a portfolio gives the investor every chance of a decent upside in the good times coupled with a degree of protection in the bad times.
  • Having selected an investment basis we then consider the type of product(s) into which to hold the investments. Different products offer the investor different tax advantages. We seek to maximise the tax efficiency of each investment made.

Our service is available to:

Individuals seeking advice before investing a lump sum (perhaps from an inheritance, redundancy, retirement tax free cash, sale of a business, etc) for capital growth or income. In addition, those seeking to build a capital sum by investment of regular monthly savings.

Companies looking to invest their business capital with a view to deferring tax on interest earned.

Charities seeking to invest capital between projects.

Attorneys acting on behalf of a person no longer capable of making their own financial decisions. This increasingly involves a person in a residential or nursing home where the attorney is responsible for meeting the monthly fees from a capital sum raised by sale of a property.

Court of Protection where a decision is made by the court so that an individual is awarded a capital sum from which an income is required to meet their lifetime needs.

Personal Injury Awards again where an income stream is required as the injured party cannot work to their full potential.

Trustees seeking advice in the investment of a portfolio for the ultimate benefit of named beneficiaries. The aim may be for outright capital growth or the provision of a regular income. In either case emphasis is placed on the mitigation of tax.

Pension Trustees responsible for the investment of a pension fund for the benefit of one or more members. The scheme may or may not have new contributions coming in whilst at the same time benefits are going out to retirees.

Please contact Patrick McGee by clicking here…