BY TOBY ELLINGTON
A new horizon Building flexible investment portfolios to achieve our clients’ goals When speaking to clients, I’m always struck by the many different ways our service is perceived. The sheer variety of client situations and desired outcomes is fascinating. There is however, one underlying constant that sits at the heart of what we do: the need to create a personalised investment portfolio to meet a range of goals and objectives. Our investment process was built around this requirement and is fundamentally very simple. Stage one is all about getting to know the client and understanding their circumstances, objectives and views on risk. This will generally include building a cash flow plan along with a timeline of important milestones and capital requirements. In stage two, the financial planner uses this information to construct a tailored investment portfolio aligned with these goals. This will include selecting the right products and keeping everything tax efficient.
a new style of portfolio, with an even stronger link to the client’s specific goals”
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Although our process has withstood the test of time, we are always looking for ways to improve what we do. Recent innovations within our investment fund range have presented the opportunity to evolve our approach and create a new style of portfolio, with an even stronger link to the client’s specific goals.
Fund innovations Before we explain this change it’s worth rewinding back a year to when we were managing three funds. Our Cautious, Balanced and Adventurous Portfolio Funds meet most client needs, but there were sometimes situations which called for higher or lower risk alternatives. For this reason, Mike Deverell and the investment team created two new funds to allow for even greater flexibility.
