Our Models

We offer three central building blocks within each of our ranges which can be combined to achieve ten different investment models for your client. This allows them to offer a customised investment experience, while still paying for a low-cost model portfolio service.

More details about each variation can be found below:

Core Range

Our Core range uses actively managed investment products, selected by our team to take advantage of the skills of investment managers, as well as weighting each investment according to our overall market view. In this way we aim to maximise the opportunities to be found in stock market fluctuations.

Managed strategies aim to beat the average market return and take advantage of short-term variations. Managers need expertise to know when to buy or sell a particular fund and they can also hedge their investments if needed. Successful management requires being right more often than wrong.

Suitable for:  

  • Investors interested in whole of market opportunity
  • Those seeking greater risk and the associated opportunity for greater returns.

Not suitable for: 

  • Investors seeking the lowest cost investments
  • Individuals who: require full capital protection; are seeking full repayment of investments; are fully risk averse and/or need early access to capital.
  • Those investors who wish to invest for less than 3 years.

Passive Range

Our Passive range uses index products but is also managed actively by our team. A quarterly review of the investments is used to ensure they continue to represent our overall view of the market.

Passive investment strategies assume that markets post positive returns over time and attempts to replicate market performance through diversified portfolios. Index investments track the entire market, so when the overall stock market or bond prices fall, so do index investments.

Suitable for:  

  • Cost conscious investors
  • Those who need to manage their Capital Gains tax allowances
  • Those who want to limit their exposure to assets held within indexes

Not suitable for:  

  • Whole of market investors
  • Those seeking greater risk with the associated opportunity for greater returns.
  • Individuals who: require full capital protection; are seeking full repayment of investments; are fully risk averse and/or need early access to capital.
  • Those investors who wish to invest for less than 3 years.

Sustainability Range

Our Sustainability range uses actively managed investment products, selected by our team to take advantage of the skills of investment managers, as well as measuring each investment according to Article 8 or Article 9 of the Sustainable Finance Disclosure Regulation (SFDR) SFDR, which is a European regulation introduced to improve transparency in the market for sustainable investment products, to prevent greenwashing and to increase transparency around sustainability claims made by market participants. We also weight each investment according to our overall market view. 

Suitable for: 

  • Investors for whom addressing environmental and social challenges is an important consideration.
  • Investors with a good understanding of factors that drive stock price movements and how those movements might impact the value of the portfolio.
  • Investors who have previous experience in investing and are able to understand the benefits of diversification and limited downside protection.

Not suitable for: 

  • Individuals who: require full capital protection; are seeking full repayment of investments; are fully risk averse and/or need early access to capital.
  • Those investors who wish to invest for less than 3 years.

Natural Income Portfolios

The Natural Income portfolio allows for the natural income generated by the internal assets to be distributed and is available from either our Core or Passive ranges. The portfolio focusses on cash producing securities whether that is dividends from equities, coupons from bonds, rental income from real estate, or net cashflow from infrastructure projects and as such the amount distributed may vary. This income type is sometimes required for tax planning purposes and is different from a portfolio that provides regular income, such as income from your pension for example. It is managed in the same way as the other portfolios in each range to ensure it represents our overall view on the market.

Suitable for: 

  • Investors with investment wrappers which can only access natural income

Not suitable for: 

  • Investors who require a specific fixed minimum sum in any specific period
  • Individuals who: require full capital protection; are seeking full repayment of investments; are fully risk averse and/or need early access to capital.
  • Those investors who wish to invest for less than 3 years.