The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Tax treatment varies according to individual circumstances and is subject to change.

Investment Funds

Once you have determined your risk profile, you then need to decide on the type of funds you want to invest in, to achieve your financial goals.

These will depend on your risk profile:

For example someone who is “risk averse” and does not want any associated risk to their capital will have their money invested in low risk asset classes such as Cash and fixed interest type funds.

Someone who is an “Adventurous” risk profile is prepared to take a lot of risk for the potential of a greater level of anticipated return. An “Adventurous” investor will invest in “riskier” asset classes such as Equities, Commodities and Property to achieve an asset allocation which matches that profile. The value of the investment can go down as well as up and you may not get back as much as you put in.

  • Cash & cash like funds

  • Passive management funds

  • Single manager funds

  • Multi manager funds

  • Discretionary fund management

Investment Fund Definitions

Cash & Cash like funds

Fund that provide lower volatility that risk based funds, such as equities, with returns linked to bank and building society deposit rates. There is no guaranteed capital protection with these funds.

Discretionary fund management

Discretionary Fund Management consists of a portfolio of Investment vehicles rather than a “fund of funds” approach and is often considered more personal to the needs of the individual client.

A Discretionary Fund Manager will construct a portfolio of varying assets and investment types based on the attitude to risk and an agreed investment strategy with a client. The Discretionary Fund Manager is responsible for switching between funds and sectors in response to market changes and own research and analysis. They will re-balance portfolio assets in line with the agreed strategy as and when deemed appropriate.

There is normally a minimum overall investment value for this service.

Passive management funds

A fund that invests in multi asset classes and where some, or all, of the fund management is based on tracking a particular market or index (e.g. FTSE). The performance of the relevant part of the fund will attempt to mirror the performance of the selected indicies. Some, or all, of the investments are essentially run through computer programs and therefore do not include active fund management or processes.

Single manager funds

These fund types will invest in multi asset classes and/or funds from a single investment fund house only.

These funds/asset classes may be managed by a different number of specialist managers within that single investment fund house or the individual single manager. The fund may either directly invest across different asset classes or be created through blending single managed funds from with that fund house.

In each case the manager blends them to meet a specific risk profile and asset allocation. This manager is responsible for actively managing the asset allocation and achieving the performance expected.

Multi manager funds

A Multi Manager is a specialist individual that selects a blend of single managed funds from the whole of the market and blends them to meet a specific risk profile and asset allocation. This Multi Manager is responsible for actively managing the asset allocation and achieving the performance expected. This includes the use of other funds and other managers. The Multi Manager will switch between funds and sectors in response to market changes and research/analysis. This approach involve making decisions on the inclusion, and exclusion, of funds against risk profiles with the aim of reducing volatility.

The aim of these funds is to give the investor access to a wide range of different fund managers and asset types through a single investment fund. The funds are typically managed by a dedicated manager or specialist teams who scour the industry to select the manager the expect to deliver the best returns.

Our Role

We place your assets in the right name, ownership and tax wrapper so that you can legally and ethically ensure you do not pay too much tax when you want to spend them

Make sure you do not miss out on getting money back that might be owed through tax relief on pension and retirement planning

Save you time and effort by recommending the most appropriate solution

Speak with one of our Independent Financial Advisers …
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