Multi-asset class approach

Access to our multi-asset class approach is available to clients with £250,000 or more to invest. Portfolios can be based in sterling or US dollars, and currency risk is actively managed.

The core of our investment solution is a multi-asset class investment in which allocations may be made across all the major markets and asset classes, including cash, bonds, commercial property, equities and alternative investments.

The introduction of additional satellite investments is designed to access specific ideas and strategies developed by our International Strategy Committee. These can be used to capture additional sector specific themes, or simply allow increased weightings among the various multi-asset classes.

Management fee for multi-asset class approach

Our fees for the multi-asset class service range from 0.65% to 0.95% per annum depending on the value of the portfolio, subject to a minimum annual fee of £1,875.

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

Within the multi-asset class strategy, there will be some exposure to equity markets and hedge funds and capital risk is inherent with these markets. This means the value of assets could fall, although we have structured a blend of assets to help manage these risks.
Past performance is not necessarily a guide to future returns. The value of investments can go down as well as up and you may not get back the amounts originally invested.
Exchange rate changes may affect the value of international investments.
Income withdrawals from the multi-asset class strategy can erode the value of your capital, and investment returns may be less than those shown in illustrations.
From time to time we may use structured products to gain access to an asset class or market, and on such occasions these will be issued by a counterparty bank. Investors may therefore be exposed to the creditworthiness of a counterparty bank which may vary over the term of the investment. If the counterparty bank defaults on the structured note, then investors may lose their equity investment, albeit we will only structure such notes through banks with a minimum ‘A’ credit rating.
On certain elements of the investment portfolio, especially where hedge funds are involved, withdrawal proceeds may take up to 90 days to be received.