Investments and Savings

Some Investors perceive an asset class such as cash as having no risk, in fact it does.  The risk is that overall goals and objectives may not be met (since exposure to long term better performing asset classes will be lost) or that savings become eroded by inflation.

At the other end of the spectrum is the investor who has set unrealistic lifestyle objectives whereby the degree of investment risk needed to meet return requirements is unacceptable.

An important step in planning your financial strategy is to ensure that it is bespoke to you and that it dovetails with your priorities and objectives.  As a standard procedure we invite potential clients to complete a risk profiling questionnaire.

Risk Profiling

Risk Profiling will help individuals evaluate the relative importance of their goals and strike the balance between financial objectives and investment risk.

Clients complete a risk profile questionnaire designed to help identify their attitude to risk and the extent of their tolerance to the short term volatility inherent in some markets.

Investment Philosophy

Our primary aim is the preservation of clients' capital coupled with a desire to provide superior returns within each client's stated risk profile.  With many thousands of funds to choose from we believe that it is not possible for any single investment management firm to employ leading specialist managers across the many asset classes and geographical regions available to investors today.

Our investment advice has a bias towards recommending Manager of Manager Funds that offers our clients access to the world's best fund managers from a wide and diversified range of financial institutions.  In this way we seek to ensure that specialist investment managers, who are usually better equipped than the generalists found within many financial institutions, will manage our client's funds.

These strategies allow the fund managers the flexibility to create a diversified portfolio of asset classes within the guidlines of a chosen risk profile.  The manager can thereafter adjust the asset weightings and fund holdings within the portfolios to maintain the risk profile and enhance returns.

We also recommend absolute return funds as opposed to traditional relative return funds.  Traditional funds are generally concerned with providing a return relative to their peers or an index.  Absolute return funds seek to generate positive returns under all market conditions.

Manager Selection

Our investment objective is to maximise returns within our clients' selected risk profile and to provide diversification with the use of specialist managers, regional spread, asset allocation and diversified investment styles.

There is a strong belief that the value, which may be added to a portfolio by selecting specialist managers, is sustainable and low risk.

Manager of Manager investing seeks to lower risk and improve investment performance by identifying specialist managers and combining them efficiently to optimise risk and return.

SFM Wealth Management will monitor the performance of the Manager of Manager funds we recommend and the asset allocations of each portfolio.

Our assessment of selected Manager of Manager funds will naturally take account of results, but this needs to be coupled with the managers' ability to control risk and, if selected, provide absolute returns in keeping with our focus on wealth preservation.

Valuations

Quarterly valuations and investment reports are provided for all clients and ad hoc valuations are available by request in the interim periods.

Additional Benefits - Estate Planning

Our company has in-house access to tax lawyers experienced in estate and succession planning who are able to advise on the most tax efficient way to structure your estate.  The combination of our legal services and wealth management firms provides our clients with a robust and professional service.

We offer a free initial consultation to appraise your current provisions and advise you accordingly on their suitability for your requirements.

Risk Warning: Past performance is used as a guide only; it is no guarantee of future performance.  There is no guarantee that legislation surrounding the taxation of investments will remain the same in the future.