We know every client is different and we know each client has a unique attitude to risk when it comes to their investments. For some, the potential greater reward will balance a higher risk, whereas others want to protect their capital and minimise risk. As priorities, resources and needs change over time, so can their risk profile.
We believe in minimising and managing risk prudently and careful, strategic investment decision-making to achieve our investment aims for clients. As part of this, we provide a range of five risk-targeted investment models, all with the aim of achieving long-term capital growth.
We work closely with clients to establish their attitude to risk and their investment requirements and financial circumstances, so we can make sure they are comfortable with their investment decisions.
Please remember that the value of investments can fall as well as rise. You may not get back what you invest.
Our range of investment models
The primary aim here is to minimise the volatility of the value of the investment funds, at the same time as generating an income greater than that achieved by a bank account. This approach is suitable for a low risk investor, as assets will primarily be invested in fixed interest funds, with a very low exposure to equities.
With this model, the main aim is to generate a reasonable and growing level of income, while managing the volatility risk of the capital. This is suitable for a low/medium risk investor, and assets will be invested across a range of equities, property and fixed interest funds.
This model’s main aim is to consistently return both capital and income growth over the medium to longer term. The approach is suitable for a medium risk investor, as assets are invested with a higher weighting in UK and international equities, at the same time as retaining significant positions in property and fixed interest funds.
The primary aim here is to achieve long-term capital growth while producing a lower, but progressive level of income. Suitable for a medium/high risk investor, this model’s investments primarily consist of equities, while retaining a spread of property and fixed interest investments to spread risk.
This model’s primary aim is to return a high level of capital return over the longer term, at the same time as delivering a small, but growing level of income. This approach is suitable for a high risk investor, as assets will predominantly be invested in international equities with a high proportion being international equity funds.
Contact our investment advisors in Dundee or Edinburgh to find out more about our investment models and how we can build your investment portfolio to match your risk approach.
Too low for zero
It is very possible that interest rates and bond yields have been driven so low that central banks have strayed into the law of unintended consequences.
Don't get too negative
As markets grapple with political and economic uncertainty we should expect volatility, but it is important not to ignore that growth is still positive.
New Year's Resolution
If 2015 was a year for muddling through, then hopefully 2016 will provide resolution to some of the economic uncertainties that beset the world today.
That Was the Year That Was
2015 turned out to be a year full of notable and surprising events.
A Christmas Carol
The investment attractions of equities remain intact and with careful selection may just be offering one or two early Christmas presents.
Passing the buck
October brought relief to markets following a difficult summer.