EXCEPTIONAL

INVESTMENT SERVICE

How we manage your money, our active Portfolio Management Service, and the active versus passive investment dilemma.

iWealth Portfolio Management Service

At iWealth, our investment portfolios are designed to align with your attitude to investment risk.  These portfolios consist of approximately 30 different funds and cover all assets classes, providing a diversified investment solution.

We review your portfolios on a quarterly basis and advise you of changes we would like to make to your portfolio, in order to improve asset allocation and fund performance.  If a fund within the portfolio starts to underperform, we will recommend that it is replaced with an alternative.

This is a proactively managed service which is available to all clients who contract with us to provide them with ongoing advice and service.

Bespoke Discretionary Service

For clients who would prefer not to be actively involved in the management of their money we have access to discretionary portfolios, where the day to day management happens automatically in the background, without any involvement required by you.

The underlying assets in a discretionary portfolio partly depend on the amount invested.   A small portfolio may be invested solely in mutual funds, or for larger investments some elements of your portfolio may be replaced with direct holdings such as shares, which would reduce the overall costs of investment.

Discretionary investment services can be useful for clients with higher value investments as they can provide a more bespoke and tailored service and can accommodate any personal investment preferences that you may have.

Multi-Asset Funds

Multi-asset funds replicate a diversified portfolio of funds within a single fund. One feature of multi-asset funds is that they allow a portfolio of funds to be realigned, and investment switches do not give rise to a capital gain, unless encashed.

Multi-asset funds offered by an investment house may incorporate its own in-house investment fund range or it may include external funds.  The cost of multi-asset funds vary and they may cost more than a portfolio option. 

Passive versus Active Management

With passive investments attempt to replicate the performance of an asset class or indices, such as the FTSE100.  Passive funds are a very cheaper way of investing, however they do not screen under-performing shares or sectors. 

Active investments are managed by professional investment managers, who use their expertise to select individual investments with the intention that their funds will out-perform the average investment return.

Although there are advantages and disadvantages of each approach, at iWealth, we believe that active management is the best option for our clients.  In order to ensure that our clients are getting the best value, we consider the investment costs and use the investment performance of passive funds as one of our benchmarks by which we measure the investment performance of our portfolios.