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Our Wealth Management Proposition

Portfolio Management

Because we can never be sure of what the market will do at any moment, we always emphasise the importance of a well-diversified portfolio. For optimum diversification we offer our own in house bespoke Model Portfolios, in house discretionary portfolios in conjunction with a leading fund research group and low cost passive managed ETF portfolios.

“Diversification, Diversification, Diversification.”

Because we can never be sure of what the market will do at any moment, we always emphasise the importance of a well-diversified portfolio.

For optimum diversification we offer our own bespoke Model Portfolios, discretionary portfolios by a leading fund research group and low cost passive managed ETF portfolios.

Investment Planning

Investment planning is now more of a science, rather than an art. Technology, ever - increasing investment opportunities and stricter regulation have all encouraged the more scientific approach. But has your investment strategy kept pace?

We can help with your investment planning and asset allocation in several ways.

  • Obtain up-to-date valuations, acquisition dates and initial outlay for your existing investments, including pension plans and any investment-linked life assurance. This gives a clear picture of your starting point.
  • Guide you through the setting of your investment goals, helping you to consider how much risk you are willing to accept and the level of potential loss that you can tolerate.
  • Recommend appropriate asset allocations, fund and platform providers, drawing on our extensive market knowledge.
  • Undertake reviews of your plan to keep it on track with your investment goals.

Our Portfolio Management Strategy

Our strategic asset allocation model is designed by Barrie & Hibbert who have been part of the Moody's Corporation since 2011. We utilise Barrie & Hibbert's risk and return forecasts to develop a strategic asset allocation for each portfolio.

These forecasts are rooted in a thorough analysis of long-term historical performance and relationships between asset classes. In our view, this disciplined approach helps to create a diversified foundation designed to help limit the impact of the market's ups and downs.

We do not necessarily believe that all clients' assets should be pigeonholed within the confines of a risk rated portfolio; we may therefore also construct and manage bespoke portfolios where appropriate.

For greater diversification in larger portfolios we may recommend combining our Model Portfolios with discretionary portfolios run in conjunction with Morningstar OBSR and a low cost passive managed ETF fund all appropriate to a client's attitude to risk and investment objectives

Over time, the funds within each asset class will perform differently. The proportions held in different assets will then change. For the strategy to work most effectively it is important that rebalancing in line with the original asset allocation is normally performed annually.

We believe that risk management and asset allocation are the most important parts of an investment strategy; however fund selection should also reflect these requirements. Our strategy is not to try and identify the 'top' fund, but to find those that demonstrate strong management and repeatable processes.

We shortlist funds within their individual sectors based upon the views of leading independent analysts. In particular we research the fund manager tenure, management strategy and various statistical data such as the fund's correlation to its asset class and volatility characteristics as well as comparative performance.

For each asset class we aim to select a core fund and a reserve core fund. These funds will demonstrate the best possible credit ratings and the most accurate fit relative to the benchmark for their asset class rather than having the best past performance record within their sector.

Using the same research procedures we also select satellite funds in order to add diversity within the asset class particularly where a client is prepared to take higher risk in order to achieve a better return. Typically these funds will show higher volatility than the funds selected for the core category.

It is our general intention to follow a 'buy and hold' strategy with the recommended funds. However, we monitor the performance and ratings of our recommended funds monthly in order to keep close check on their suitability for our portfolios and repeat and check the full research process annually.

Where we identify that previously recommended funds may not continue to fulfil our criteria, have begun to perform badly or there is another reason to seek a preferred alternative, we will advise a switch.

Example AM&A Risk Rated Portfolios

AM&A Defensive Portfolio

Portfolio Management

AM&A Moderately Cautious Portfolio

Portfolio Management

AM&A Balanced Portfolio

Portfolio Management

AM&A Moderately Adventurous Portfolio

Portfolio Management

AM&A Adventurous Portfolio

Portfolio Management

Past performance 5 years to 31 December 2016

Please note that these examples are for illustrative purposes only and exclude the effect of fees on the actual returns. Please note that pension fund and life fund performance can differ from unit trust/OEIC performance due to the underlying taxation treatment, that past performance is not a reliable indicator of future returns and that the value of investments can go down as well as up.

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.