Each portfolio is designed to meet client’s goals and objectives dependent on resources available and time frames.

All portfolios have inherent risk, including cash. It is therefore essential that our Investment Managers understand client’s appetite for risk to be able to provide a suitable investment portfolio. There are three main risk factors that needs to be considered;

  • Risk Tolerance
  • Capacity for Loss
  • Risk Required

The portfolios can be tailored to specific client mandates or chosen from the following six strategic risk-adjusted portfolios. Most of these strategies consist of multi-assets and/or have global outlook which allows to reduce your overall risk of the portfolio.

Defensive:
The Defensive portfolio is designed for investors that do not wish to invest in growth assets such as equities and real estate.  The portfolio consists purely of defensive assets that can include cash, global sovereign bonds such as Gilts and corporate bonds, both Investment Grade and High Yield Fixed Income Securities and alternative assets such as Infrastructure investments.

Alternatively, a bespoke portfolio of Fixed Income Securities and alternatives can be created for investors that require to meet specific future liabilities.

Cautious:
The Cautious portfolio is designed for investors that prefer a mainly cautious approach to their portfolio whilst able to tolerate some degree of volatility and wish to invest a small proportion of the overall portfolio in growth assets.

This is a multi-asset strategy that mainly includes cash, fixed income securities and alternative assets such as Infrastructure investments between 71%-89%. The remainder will have some exposure to equities and real estate. The portfolio may income a small proportion in global securities and real estate markets.

Conservative:
The Conservative portfolio is designed for investors that prefer a more conservative approach to their portfolio whilst able to tolerate a degree of volatility. The portfolio will have greater proportion of growth assets compared to the Cautious portfolio but by enlarge will hold between 51%-69% in Fixed Income Securities and alternative assets such as Infrastructure investments.

This is a multi-asset strategy that mainly includes cash, fixed income securities and alternative assets with less than 50% exposure to equities and real estate. The equities and real estate may be exposed to global securities and real estate markets. The portfolio may also include alternative assets to some extent, such as currency hedge and commodities.

Balanced:
The Balanced portfolio is designed for investors that prefer a more balanced approach to their portfolio whilst able to tolerate a greater degree of volatility. The portfolio will have greater proportion of growth assets compared to conservative portfolio and by enlarge will hold between 51%-69% in growth assets, such as global equities and real estate.

This is a multi-asset strategy that mainly includes growth assets and with less than 50% exposure to fixed income securities, alternatives and cash. The alternative assets to some extent may also include infrastructure assets, currency hedge and commodities.

Growth:
The Growth portfolio is designed for investors that prefer a higher degree of growth to their portfolio and able to tolerate a greater degree of volatility and loss. The portfolio will have greater proportion of growth assets compared to the balanced portfolio and by enlarge will hold between 71%-89% in growth assets, mainly in global equities and small proportion in real estate.

This is a multi-asset strategy that mainly includes growth assets with less than 30% exposure to fixed income securities and cash. The portfolio may include alternative assets to some extent, such as currency hedge and commodities.

Aggressive:
The portfolio is designed for investors that prefer a more aggressive approach to their portfolio and able to tolerate a high degree of volatility and loss. The portfolio invests mainly in equities and alternatives, holding a small percentage in cash.  There may be include small proportion of fixed income securities or alternatives in this portfolio. The portfolio can be either UK centric or exposed to global equities.