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Core and explore approach

Access to our core and explore approach is available to clients with £250,000 or more to invest; although the core element alone can be accessed with a minimum investment of £100,000.

The core

The core of our investment solution is a multi-asset class investment that is suitable for a broad range of investors seeking to capture investment returns within a low to medium risk controlled environment.

The investment objective is to achieve an absolute return in excess of risk-free cash interest rates over a three to five year period. Allocations may be made across all the major markets and asset classes, including: cash, bonds, commercial property, equities and alternative investments. The latter asset class includes hedge funds, structured investments, private equity and commodities. Performance is then targeted through the tactical asset allocation of a diversified multi-asset class investment portfolio.

Individual portfolios are managed in line with a model and you will receive a quarterly report summarising investment decisions, as well as performance and volatility measures, for the model.

Additional features include:

  • diversification of risk across major markets and asset classes
  • value for money compared to actively managed funds
  • strong track record of performance
  • sterling or US dollar portfolios
  • minimum investment level of £100,000 or currency equivalent
  • minimum withdrawal at any one time of £50,000 or currency equivalent (providing the minimum investment level is maintained).*

* On certain elements of the investment portfolio, especially where hedge funds are involved, proceeds may take up to 90 days to be received

What is the explore element of the portfolio?

For clients with £250,000 or more to invest, we would recommend building an 'explore' investment portfolio around the core, based on our three fundamental investment principles.

The explore approach introduces satellite investments and is designed to access the specific ideas and strategies developed by our investment committee. These can be used to capture additional sector specific themes, such as energy or precious metals for example, or simply allows increased weightings among the various asset classes.

Ordinarily, we would recommend establishing the core portfolio before extending into explore investments. These satellite investments tend to comprise more medium and higher risk elements, although exposure to structured investments can be accessed in this part of the portfolio to provide returns with capital protection in order to reduce risk.

Management fee for core and explore

Our fees for the core and explore service range from 0.65% to 0.95% per annum depending on the value of the portfolio.

These fees are inclusive of custody and bank commissions, but exclude market fees, such as brokerage, external management costs, and stamp duty reserve tax, where applicable.

Risks of the discretionary investment management service

  • The value of investments and the income from them can fall as well as rise and you may not get back the original amount invested.
  • Exchange rate changes may affect the value of investments.
  • In view of possible exchange rate and market price movements that may take place between receiving your instruction to invest new monies, determining the asset weighting and placing the deals in the market, the actual amount invested may be more or less than the expected initial cash investment.