When it comes to getting impartial investment advice and to making prudent investment decisions, you need sufficient Choice to match your requirements, Diversity to manage risk, and Transparency to ensure the best value for money. Learn about these key factors together with our core investment philosophy, our step-by-step advisory approach, and our low-cost options.
Our Advisory Approach
We offer low-cost market comparative solutions on Lump Sum Deposits, Pension Plans, Personal Retirement Bonds, and post retirement ARFs, applying the same 5 part process, to ensuring that you receive the best value and most comprehensive investment advice.
Following an initial discovery conversation, with your go-ahead, we will carry out an analysis of the best value investments suited to your individual risk profile, investment needs, and asset preferences.
We present tailored recommendations with a fully transparent cost and past performance analysis.
We help you to fine-tune your initial fund/asset choices and to complete your application.
We set you up with 24/7 online access to your associated investment platform.
We conduct periodic reviews of your investments in the context of market developments and any notified changes to your investment objectives.
Options Tailored to You
Our investment recommendations can include (a) default lifestyle funds to (b) bespoke portfolio construction and (c) self-directed assets.
A. Default Lifestyle – Selected for you
Low-cost multi-asset funds suited to longer-term investments such as pensions plans and approved retirement funds. These funds automatically de-risk over time and as they get closer to the end of the plan’s investment term.
B. Bespoke Portfolio – Selected with you
This option offers multi-asset diversification to manage risk, a choice of both passive and active funds, as well as a mix of local, pan European, and global fund managers way of a bespoke portfolio design.
C. Self Directed Assets – Selected with & by you
For high-net-worth executive pension clients seeking a more complex investment approach to include the use of standalone ETFs and other assets as part of a single provider, low-cost retirement planning solution.
Investment Advice – ESG
ESG stands for Environmental, Social, and Governance and all of our investment partners apply these non-financial factors as part of their analytical process to identify material risks and growth opportunities. This in turn means that the responsible investment options that we offer consider how the company interacts with the environment, and society and how the company is run.
Investment Advice – FAQ
What are investment funds?
Investment funds are mutual unit-linked funds operated by various investment fund managers. They can invest in single or multiple assets or in single or multiple industries or geographies. They make it easier to diversify investment risk and gain higher returns over time compared to leaving your money to gain interest on deposit.
What is meant by the AMC?
The AMC is the annual management charge levied against your accumulating savings plan, lump-sum investment, pension or ARF pot. It comprises of both the fund managers charge and the brokers charge for ongoing admininstartion support and investment advice.
What is meant by the TER?
The total expense ratio (TER) is a measure of the total costs associated with managing and operating an investment fund, such as a mutual fund in which you might invest a lump sum deposit, pension contributions or ARF monies, through a choice of life company plans and their respective internal and external fund manager offerings.
The AMC already includes all associated costs apart from the Custodian fees, or the additional costs of third-party ETFs (where applicable). Where applicable these costs should be added to the AMC to indicate the TER. (External ETFs are typically used for property and commodity assets as part of a multi-asset mutual fund.)
These additional costs to the AMC tend to be very small where they do apply!
What are self-directed investments?
Self-directed investments are specific investment vehicles used to further diversify large pension and post-retirement investments. They can include selected Structured Products, ETFs and individual, stocks, bonds, or commodities. They are not suited to shorter-term lump sum investments.
How do I choose my investments?
As your financial advisor, we will assess your personal investment needs, risk profile, and expectations, before recommending the most suitable investment type, complexity, and strategy to meet these needs.
What level of returns can I expect?
Your investment returns will depend on your level of risk, the term of your investment, and the associated costs.
How much risk should I take?
This depends on your investment needs and the purpose and term of your investment. We carry out personal risk profiling prior to making any recommendations and manage this risk within set parameters over time.
How is risk managed?
We use ESMA risk rating to assess every investor’s risk profile. Each fund option is given an ESMA risk rating from 1-7 from very low risk to very high risk. The fund is then kept within associated volatility ranges aligned to its ESMA rating.
Can I alter my investments over time?
Yes, you can choose to switch funds at any time and to alter your risk rating if so required.
Will I have to pay tax on my investment returns?
Pension plans and post-retirement ARFs enjoy tax-free growth, whereas deposit-based short to medium-term lump sum investments are subject to tax on the portion of their investment that constitutes investment gains. Similar to DIRT tax the tax rate on gains made by portfolio investment bonds is currently at 40%.
What are growth stocks?
A growth stock is any share in a company that is anticipated to grow at a rate significantly above the average growth for the market. These stocks generally do not pay dividends. This is because the issuers of growth stocks are usually companies that want to reinvest any earnings they accrue in order to accelerate growth in the short term. The primary way that investors expect to earn profits from growth investing is through capital gains. Classic examples of growth stocks include Meta (FB), formerly Facebook, Amazon.com Inc. (AMZN), and Netflix Inc. (NFLX).
What are value stocks?
A value stock is a security trading at a lower price than what the company’s performance may otherwise indicate. Common characteristics of value stocks include high dividend yield, low price-to-book ratio (P/B ratio), and a low price-to-earnings ratio (P/E ratio). Classic examples of growth stocks include American Express, Google, Coca-Cola, and Citigroup Inc.
What is active investment management?
The term active management implies that a professional money manager or a team of professionals is tracking the performance of a client’s investment portfolio and regularly making buy, hold, and sell decisions about the assets in it. The goal of the active manager is to outperform the overall market.
What is passive investment management?
Passive management is a style of management associated with mutual and exchange-traded funds (ETF) where a fund’s portfolio mirrors a market index. Passive management is the opposite of active management in which a fund’s manager(s) attempt to beat the market with various investing strategies and buying/selling decisions of a portfolio’s securities. Passive management is also referred to as “passive strategy,” “passive investing,” or ” index investing.”
What are derivatives?
A derivative is a contract between two parties that derives its value/price from an underlying asset. The most common types of derivatives are futures, options, forwards, and swaps. … Generally stocks, bonds, currency, commodities, and interest rates form the underlying asset.
What are Options & Futures?
An options contract gives an investor the right, but not the obligation, to buy (or sell) shares at a specific price at any time, as long as the contract is in effect. By contrast, a futures contract requires a buyer to purchase shares—and a seller to sell them—on a specific future date unless the holder’s position is closed before the expiration date.
What are Forwards & Swaps?
Forward trading is a transaction between a buyer and seller to trade a financial asset at a future date, at a specified price. The price of this asset and trade date is agreed beforehand as part of a forward contract.
A swap is a derivative contract through which two parties exchange the cash flows or liabilities from two different financial instruments. … The most common kind of swap is an interest rate swap. Swaps do not trade on exchanges, and retail investors do not generally engage in swaps.
What is an exchnage traded fund - ETFs?
An exchange-traded fund (ETF) is a type of security that tracks an index, sector, commodity, or other assets, but which can be purchased or sold on a stock exchange the same way a regular stock can. An ETF can be structured to track anything from the price of an individual commodity to a large and diverse collection of securities. ETFs can even be structured to track specific investment strategies.
A well-known example is the SPDR S&P 500 ETF (SPY), which tracks the S&P 500 Index. ETFs can contain many types of investments, including stocks, commodities, bonds, or a mixture of investment types. An exchange-traded fund is a marketable security, meaning it has an associated price that allows it to be easily bought and sold.
How does inflation affect the stock markets?
Value stocks perform better in high inflation periods and growth stocks perform better during low inflation. When inflation is on the upswing, income-oriented or high-dividend-paying stock prices generally decline. Stocks overall do seem to be more volatile during highly inflationary periods.
How do interest rates affect the stock markets?
When interest rates are rising, both businesses and consumers will cut back on spending. This will cause earnings to fall and stock prices to drop. On the other hand, when interest rates have fallen significantly, consumers and businesses will increase spending, causing stock prices to rise.
How do oil prices affect the stock markets?
An increase in oil prices usually lowers the expected rate of economic growth and increases inflation expectations over shorter horizons. Decreasing economic growth prospects, in turn, lower companies’ earnings expectations, resulting in a dampening effect on stock prices.