Model portfolios
Six fixed mixes, one for each level from 1 to 6 on the risk scale.
The six model portfolios
Each model is a fixed mix for its level. Managed clients hold their own version of the model; ready-made clients hold one fund per level.
The models on the risk scale (sample)
Levels 1 to 7
No portfolio at this level
None
We do not run a portfolio at level 7. Single-country and single-sector funds usually sit here.
Lower risk, usually lower returns
Higher risk, usually higher returns
Shares Bonds Cash Figures: shares / bonds / cash, in percent (sample).
The value of investments can fall as well as rise, and you may get back less than you put in.
How the models are run
The investment committee meets every month to review the funds in each model. It changes a fund only for a reason it can write down: higher costs, a change of manager, or a fund that no longer does its job.
Committee meetings
Monthly
Rebalancing
April and October
Fund changes last year
3 (sample)
Funds used across all models
21 (sample)
Start with an introductory meeting
An hour at our office or by video, free and without obligation. Bring a recent statement for any savings or pensions you would like to talk about.