Financial Adviser Services

Investment Management

“In arriving at a suitable investment strategy we take all clients through the same process involving the following steps:”

Identifying Wealth Objectives

Identifying your wealth management objectives - we need to know what you are trying to achieve and when. Is it capital growth or a rising income or a combination of both? What is your investment horizon?

Understanding investment risk

Understanding investment risk versus financial reward - we need to understand your tolerance to investment risk and volatility. To do this we use a formal risk profiling system from Barrie & Hibbert who are a leader in risk measurement and management. Individuals should consider their need to take investment risk to meet their financial goals and may need to reconsider their approach if they are unable or unwilling to take enough risk to stand a chance of achieving the required returns. The reconciliation of attitude to risk, risk capacity, and the need to take risk is a crucial part of the financial planning process. We then assess your existing investments to see if they match your required risk profile.

Defining a suitable asset allocation

Defining a suitable asset allocation - having determined the degree of risk you are prepared to pursue, we decide the mix of investment types that most closely match your risk preference. Again we use a market leading research company, Moody's Analytics who provide us with quarterly updates on asset allocations, arranged in model portfolios for clients with a range of risk tolerances. Studies on asset allocation have shown that over 90% of the difference in returns between different investment portfolios is driven by the selected asset class rather than the individual funds selected*. By investing in different asset classes, such as UK and overseas equities, fixed interest investments, commercial property and absolute return funds, it is possible to reduce the overall risks of the portfolio.

*G. P. Brinson, L. R. Hood and G. L. Beebower, "Determinants of Portfolio Performance," Financial Analysts Journal, July/August 1986.

Investment strategy

Investment strategy - we use a robust fund selection process aimed at identifying thosefunds that display consistent risk adjusted returns combined with low charges. We recognise it is impossible to spot the top performer at any given time, so we endeavour to choose those funds likely to deliver consistent returns. Our in-house research team is supported by external market leading consultancy, Morningstar OBSR in the selection of research investment fund together with quarterly updates, where this type of investment approach is assessed as suitable for your needs, circumstances and preferences.

Old Bank Wealth Management can help you achieve your financial objectives so contact us now for an exploratory meeting at our expense.

The value of investments and income from them may go down. You may not get back the original amount invested.

Past performance is not a reliable indicator of future performance.