Our investment expertise at your disposal
As independent financial advisers we at Anderson Lloyd have access
to the whole market and years of experience of investing clients
money, and dealing with all types of client.
By taking a personal approach we strive to deliver that extra
added value, whatever your objectives are, we are focused on your
goals. This ethos applies whether you're looking at saving a few
pounds per month or investing your life savings.
The foundation on any investment or relationship is communication,
in terms of us understanding your current and future needs and
you having the full picture and understanding the nature of any
choices you have. An important choice will be the level of risk
you find acceptable.
Risk is a term if you are looking at investing or saving you
need to come familiar with as it has different meanings including
investment risk in terms of fund volatility (fund value can go
down as well as up).
Overweight in an asset class or sector in terms of putting all
your eggs into one basket carries a risk, as does risk of under
performance, investing all your money with one company carries
a risk, risk of investing in the wrong type of investment, could
be tax efficient now, but what if you had to go into a care home
for the elderly? Or would it be taxed a 40% should you die? Are
some of the issues that deserve consideration, which we are at
you service and here to help with.
When looking at investments we use a stochastic investment model
developed by Tillinghast-Towers Perrin, a respected international
actuarial consultancy. Such modeling techniques are not widely
available for retail investors and are typically used by pension
fund managers and large institutional investors.
These plus other tools at our disposal put us in a strong position
when putting together and deciding on the asset allocation suited
to meeting your investment goals.
Discretionary fund management
Why consider discretionary fund management?
Investing into collective funds i.e. within your pension or unit
trust or ISA offered by a life office or pension provider, has
inherent problems as you are likely to get investment overlap
at some point (where different funds invest in the same sector
or stock) without realising it. One of the discretionary fund
managers we use Brewin Dolphin are able monitor all your funds
dally to ensure that you don't end up under or over weight is
any stock or sector. Together with market timing adds real value
in terms keeping ahead of the pack long term.
They are also accountable to you as they work with you and us
to achieve your goals without the restriction imposed within a
collective fund.
Discretionary fund management can:
