Our Models

We like to think about investing a little differently than everyone else, so we’ve built a few key components that can be combined in several styles. In this way, we can offer many different investment strategies aimed at giving you the most bespoke experience possible.

We aim to provide a match to your individual investment goals and perspectives, while still offering a low-cost model portfolio service. Some might think of it as the best of both worlds!

The key components in your individual investment strategy will be made up of portfolios that meet your investment objectives. These can be used individually if you have a very clearly defined goal, or in various combinations if you’re looking to achieve more than one thing with your investment.

Protect (1)

Protect

Our Protect portfolio focuses on capital preservation whilst generating modest investment returns over the long term. It aims to protect against the effects of inflation and as such, may use different asset classes, with a substantial proportion in fixed interest.

You might use this if you:

  • Need access to your capital in the short term, over 3 to 5 years
  • Want to protect your capital against inflation.
  • Want to grow your capital slowly, without too many fluctuations.
Enjoy (1)

Enjoy

Our Enjoy portfolio aims to provide a total return by way of income and capital growth to support either regular or ad-hoc withdrawals. Income generating assets are a significant part of the portfolio, along with assets for capital growth.

You might use this if you:

  • Want to make the most of your investments by spending them.
  • Need a regular income or occasional large withdrawals.
  • Want to modestly grow capital over the next 5-10 years.
Grow (1)

Grow

Our Grow portfolio goes for all-out growth and, in the main, investments will be in equities. This may be suitable for those with a desire to grow their capital over the long term.

You might use this if you:

  • Want to make the most of any opportunity to grow your capital and aren’t concerned about short term fluctuations.
  • Are investing for the long term (10+years).
  • Want to plan and invest for future generations.

Each of these key portfolios can be combined to target your individual investment goals and are available in different investment styles to meet the priorities you have, whether that be aiming for a higher than market average return, sticking to the lowest cost investments, or prioritising your views on sustainability. Even these styles can be combined to deliver a wide range of individualised investments that are uniquely to you.

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 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 where 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.