When you and your portfolio manager have agreed an appropriate strategy to achieve your investment objectives, we can set about tailoring your portfolio. Our approach to investment management is to think about how a portfolio should be structured as a whole, before considering the best investment opportunities from around the world. The result is that you can pursue your investment goals with a greater degree of confidence, whatever the market conditions.
We focus first on asset allocation, i.e. which types of asset go into the portfolio. Asset allocation is the key factor in determining how well the portfolio is likely to perform. Having a diversified portfolio -- one with a wide spread of investments across asset classes -- can blend income generation with capital growth, reduce overall volatility and deliver higher more stable returns.
The range of asset classes is continually expanding. Equities, bonds, currencies, precious metals, property and private equity are some of the better known but there are many others. Our specialist teams spend their time monitoring, analysing and modelling the various asset classes and markets around the world so that we are best placed to construct and manage effective investment portfolios.
When it comes to choosing specific assets, investment products and funds for a portfolio, we combine our own expertise with that of skilled external investment managers who are renowned in their specific markets and sectors. This open architecture approach means that we are continually searching the globe for the best investment opportunities in which to deploy our clients' funds.