“After ten years as a client of N&G, may I say how much I value your financial expertise and advice. I have always been happy with your high level of service and my resulting financial health is totally due to your expertise. Long may our association continue.”
Portfolio Construction
We construct tax efficient investment and pension portfolios tailored to our client's specific objectives, with an asset allocation tailored to their desired risk profile, using a diverse range of funds and fund managers from highly regarded fund management houses.
Within an investment portfolio it is imperative to achieve investment diversity at asset allocation level, spreading the investment risk and not concentrating on one or two asset classes or sectors, to create a well diversified portfolio that can endure different market conditions. We construct our client's portfolios in a diverse manner, using a wide range of fund managers, giving exposure to a range of lowly correlated assets including equity, property and fixed interest, and a range of market sectors and geographical investment areas. The fund managers then actively manage the funds on a day to day basis, and by using a range of fund managers we add a range of fund management styles.
We believe in using highly regarded fund managers who have demonstrated strong and consistent track records in both favourable and weak market conditions. We place great emphasis on the selection and monitoring of the fund managers used in client's portfolios, and we conduct extensive ongoing research into investment funds, combining external fund research from OBSR with personally meeting and assessing fund managers on a regular basis. We also conduct continual provider research into the WRAP market place to ensure that our chosen platform provider continues to meet our criteria and objectives for our clients, and to review new offerings in the market place.
When recommending investment funds, whether held directly or through other investment vehicles, we aim to use funds that carry a minimum of an A, AA or AAA rating from OBSR. OBSR Ratings are determined on the premise that the fund selection process should, whilst taking past performance into consideration, ascribe greater weight to identifying the factors which will affect future performance. There are several key factors which lead to the final OBSR Rating including strength of investment process and length of time it has been in place, continuity of investment personnel, investment style that has proven durable over time, clearly defined investment objectives, strong and consistent past performance record and favourable risk adjusted returns.