Tailoring Client Portfolios
We offer a truly bespoke service.
Exceptional tailoring is about precision. It is about fitting everything we do around our clients' requirements.
We do not choose the easy option of fitting clients to a series of pre-set 'off-the-peg' models. We take the time to truly match our clients' specific needs.
This means:-
- We consider the risk associated with each of your goals rather than a simple aggregated 'client risk'.
We do not assume that you are prepared to take the same risk with your tax bill as for your retirement income, your inheritance plans or even your overseas holiday home. - We work with you to establish the most appropriate benchmark for each of your goals. This becomes the key measure of the investment service we provide.
Some of the biggest mistakes in investment come from incorrect benchmarks. If you are looking to make a capital purchase then target the growth to achieve it. Investment markets (i.e. FTSE350) rarely go up and down in line with the things clients wish to purchase. - We will create separate individual portfolios that have been Optimised* to provide the maximum potential for return for the risk you are willing to take, the constraints you place on us and the existing assets you hold.
*Standard Life Wealth's propriety Optimiser uses mathematical algorithms to analyse the historical volatility and forecast returns of over 30 different sub-asset classes. The analysis looks at when each sub-asset class typically performs well (and those that typically do well when others do not) and identifies the optimum mix to maximise your portfolio's return potential for your agreed return.
Investment solutions that are tailored to fit the life you lead
The diagram below shows our approach compared to a Traditional Model Portfolio based approach. Separate portfolios mean we do not have to compromise- we can select the most suitable investments for each goal
