Investment Management Services

Our main investment management services are as follows:

• clarityPORTFOLIO+
• clarityPORTFOLIO
• clarityINVEST

Our full brochure for the above services can be found here.

The clarityPORTFOLIO+ service helps to enhance the construction of your portfolio by putting investment theory into practice. Your asset allocation is the end result of careful consideration of your objectives, timescale and risk appetite. When money is first invested your portfolio will possess the desired asset allocation. Over time, however, the various growth rates of the underlying investments can cause the allocations to drift. As this happens the risk profile of the portfolio changes and you may be taking on more risk than originally desired.

The IMS ensures asset allocations are regularly reviewed, allowing some drift to take place over an agreed time period before rebalancing the funds to reflect your desired asset allocation and risk profile.

Service features

• Regular portfolio re-balancing (either quarterly or annually via the clarityPORTFOLIO service) of your agreed asset allocation targets to effectively manage portfolio risk and avoid allocation drift.
• Clear and regular fund switch recommendations that tie in with the re-balancing events.
• Regular correspondence with graphical representations of any imbalance and the necessary documentation for you to correct that imbalance (should you wish). All you need to do is sign; we do the rest.
• A clear fee basis of charging. Any fee is offset by 100% of any trail income produced from funds held under management. This means that the cost of the Investment Management Service is only a small margin (if any) over existing costs but those costs are much clearer to you.
• The ability to be able to monitor your portfolio through the clarity website.

This level of service provides clients with the facility to transact Unit Trust, OEIC and ISA investments, which can be made online; in addition to ISA and PEP Transfers at nil initial commission rates (both in and out of Self Invest Pension Plans). We also provide help with switches, asset allocation modelling and an online valuation service.

The clarityINVEST service has two charging options. We can either fund the costs for transactions, switches, valuations and asset allocation modelling through the trail income available (usually for active funds 0.5%, bond funds 0.25% and tracker funds 0% - average 0.35-0.4%) or we offer a fee option at 0.5% p.a. of the portfolio amount. The charge is usually higher on a fee basis to reflect the fact that we will have to manually reconcile all the trail income received, holding by holding. The default assumption is the commission option.