Investments
Investing with clarity and confidence
The investment world can often feel complex. Markets move unpredictably and many people find themselves caught on the rollercoaster of ups and downs. Our investment team is on hand to simplify things, helping you build a clear, long-term strategy while protecting your wealth.
We know everyone has a different appetite for risk. So we don’t try and time the market. Instead, we look at the bigger picture. We begin by taking the time to understand you, reviewing your current investments and then taking you through our risk profiling questionnaire.
Following this, you will have an in-depth chat with one of our private bankers. As advisers, rather than investment managers, we offer an objective view, helping you find the best way forward that suits your goals and your comfort level.
How much risk is appropriate for your investment portfolio?
Everyone has their own appetite for the level of risk they are willing to take in their portfolio, so when recommending investments that best suit your needs, we start with a risk profiling questionnaire, accompanied by an in-depth discussion with a Private Banker. This helps us to gain a full insight into your financial position and assists us in developing a suitable investment strategy.
Balancing passive and active investing
A passive approach to investing is central to our proposition and many clients find that a low-cost, highly efficient portfolio is right for them in the long term.
Our global tracker portfolios are globally diversified and carefully created to give you broad exposure and long-term growth. We can help you to set up the right balance of tracker funds in your portfolio, always keeping an eye to make sure it doesn’t drift over time.
Where stock market exposure is not so suitable, we also offer liquid, low risk portfolios for shorter-term objectives.
If active management is better for achieving your goals, we can help you choose the right investment manager. We use a carefully curated panel of managers who must meet strict standards for governance, performance, risk control and service. This means the process is robust and performance is consistent. Thanks to our reputation, we’re often able to secure lower management fees than clients would be able to independently.
Sustainable investing
Responsible investing matters to us and to many of our clients. If environmental, social and governance (ESG) factors are important to you, we can help you build a sustainable portfolio that reflects your values while delivering long-term financial performance.
Ongoing management
Our investment advice doesn’t stop after we give it. We’re with you for the long term, reviewing your portfolio regularly and making adjustments as your circumstances change. We will also keep you up to date on changes in the political and economic landscape that might affect your investments, with regular reports, insights and events.
What you need to know
Tax laws may change and taxation will vary depending on your own personal circumstances.
Investments can go up and down in value and you may not get back the full amount you invest.