Our goal is to construct bespoke portfolios tailored to each client’s individual needs. Portfolios aim to deliver consistent returns over the long term, whilst safeguarding client wealth during market downturns.
This personalised service has been key in helping our investment management team create deep relationships with advisers and their clients, ensuring that every investment decision aligns with their unique requirements and best interests.
Our process
Your dedicated and experienced investment manager has developed a deep understanding of the financial, legal, and emotional complexities involved in personal injury and Court of Protection cases, and will work closely with you and your client to understand their personal circumstances, investment objectives, and risk appetite.
Investment approach and objectives
Once we have developed an understanding of a client’s circumstances, our specialist investment team constructs a bespoke portfolio tailored to the clients’ specific needs and long-term goals. The aim is to grow the capital over the long term, and generate a stable income where required, whilst utilising all available strategies to maximise tax efficiency
These investments can be categorised into four main asset classes, plus cash, with the approach to each discussed in further detail below.
Equities
Our approach to equity investing is rooted in rigorous analysis and a focus on risk management. We use our in-house research team’s output to monitor global macro-economic trends, in addition to sector- and company-specific analysis. The team uses this research base as a platform to identify opportunities in excellent companies with attractive valuations and strong growth drivers.
Investments are diversified on both a geographical and business sector basis, to mitigate concentration risk and ensure clients have exposure to a range of stocks that should drive performance in a range of market environments. We also invest in externally managed equity funds to gain exposure to specific sectors or geographical regions when we believe that the fund manager’s specialist knowledge of the area will be beneficial to our clients. This approach ensures clients are invested in a diversified range of stocks that maximises the opportunity for long-term growth.
Fixed Income
We invest in corporate and government bonds (fixed income) to reduce risk in the total portfolio. The team has a wealth of expertise in this area, also benefitting from a central dedicated research team. We invest in a diversified selection of UK government gilt-edged securities and corporate bond funds.
Alternatives
We allocate a portion of each client’s portfolio to alternative assets which can include gold and property. The values of these assets move independently to the price moves for equities and bonds, meaning they can help reduce the overall risk of an investment portfolio. They have also historically provided good inflation-protection which is crucial to achieving our clients’ long-term goals.
Structured investments
Structured investments are complex financial instruments that can be ‘built’ and customised to achieve specific investment goals with pre-defined risk/reward profiles, that may be difficult to achieve with traditional asset classes.
There are many types of structure available, but we mainly use ‘Buffered Protection’ strategies. These allow clients to gain exposure to carefully selected equity markets, enabling participation in some of the growth of these indices, whilst the principal investment remains protected in all but the worst of market conditions. Positive and negative returns are capped (limited). In return for ‘giving up’ some of the positive performance if the underlying assets fare much better than expected, the initial value of the investment is protected from some of the negative returns. It acts as a partial safety net in the event of a market downturn.
Cash
Each client will have an allocation to cash. Cash is an important tool in any portfolio, providing short-term liquidity which may help cover unforeseen spending requirements. In addition, holding cash also allows us to invest quickly to buy companies we like at attractive valuations during times of market distress.
Nothing on this website should be construed as personal advice based on your circumstances. No news or research item is a personal recommendation to deal.
