Why do DIY investors often come up short?
Bespoke portfolio management
Whether you’re looking to grow your capital, generate an income or preserve your wealth, you can either manage your investments yourself or utilise the services of a wealth manager. This article demonstrates the many advantages of letting a wealth manager take the helm.
A bespoke portfolio, built for you
Discretionary investment management is where you appoint a professional investment manager to take all the necessary investment decisions on your behalf. Based on discussions with you, they will assemble a diversified investment portfolio that closely matches your own distinct attitude towards risk and return, as well as your long-term financial goals.
A robust investment strategy and a dedicated research team
No individual investor could ever hope to cover the amount of ground or build the day-to-day investment knowledge across the thousands of global investment opportunities that exist in the market. By using the services of a large wealth manager like Investec Wealth & Investment (UK), you will gain access to the strategic thinking of leading investment experts combined with the depth and breadth in experience of a dedicated in-house research team, including career analysts. Underpinning this investment talent is a range of quantitative tools, and sector research all combining to ensure the management of your investments are based on a comprehensive global macroeconomic outlook. The investment research team will also routinely undertake detailed due diligence to ensure they proactively identify new opportunities for your portfolio.
Access to globally diverse investments
Your investment manager will construct your portfolio from a global universe of different investment styles and strategies. Owning a combination of different funds ensures you gain broad diversification within a single portfolio structure. Overall, the aim is to create an investment portfolio capable of delivering the best performance for your preferred level of risk.
Access to a wider range of alternative investment categories
A wealth manager has access to a diverse range of alternative investments including absolute return funds, hedge funds, and commercial property funds that are typically not normally available to individual investors. These alternatives help to diversify your portfolio and provide more stable returns.
Proactive portfolio management
One of the biggest advantages of using a wealth manager is that they can react quickly to sudden changes in market conditions. As a result, the really important investment decisions can be made whenever they are required, without waiting for you to approve them. In volatile times, this quick response can make a meaningful difference to your long-term returns. Your investment team also recognise that circumstances change and they will regularly monitor your risk tolerance and make alterations to your portfolio as and when necessary – keeping you in the loop at all times. From choosing your investments to proactively preparing and reacting quickly to any changing market dynamics, your wealth manager will always be working to keep your portfolio perfectly positioned in line with your risk appetite and capacity for loss. In simple terms, they do all the heavy lifting for you.
Investments that align to your personal values
Certainty that investments mirror personal values is important to many people. While the investment decisions we make are guided by environmental, social and governance (ESG) considerations, we take the time to understand your views and to be guided on the investments that best align with your values. So, if you want to only invest in companies with a strong emphasis on ESG initiatives, you can do so. Your investment manager will find the best available investments that match your values. Ranked amongst the Top 100 Most Sustainable Corporations in the world, ensuring that positive ESG criteria is embedded into our investment selection criteria has long been second nature.
Recognised industry leaders
Our award-winning investment management services are highly flexible and give you access to an exciting and diverse range of investment possibilities backed by institutional buying power.
It means we can offer both traditional and alternative investment strategies, and accommodate key investment objectives such as ethical investing, growth, high income or drawdown, and adapt them as your requirements change. It can also be applied to almost any investment structure, including joint or sole accounts, ISAs and trust assets.
Once you’ve agreed on the most suitable mandate with your investment manager we will actively manage your portfolio on a discretionary basis. This means leaving the day-to-day decision-making to us, ensuring we can respond quickly to market changes or capitalise on the investment opportunities we believe are in your best interests.
Bespoke portfolio management
We have a team dedicated to supporting people like you. Please get in touch to discuss your financial needs today.
The contents of this publication do not constitute a personal recommendation or advice and the products and/or services referred to may not be suitable for all investors. It is important to consult a professional adviser before taking any action or making any decisions.
The value of investments and the income derived from them can go down as well as up and you could get back less than you originally invested. Your capital is at risk.
Investec Wealth & Investment (UK) is a trading name of Investec Wealth & Investment Limited which is a subsidiary of Rathbones Group Plc. Investec Wealth & Investment Limited is authorised and regulated by the Financial Conduct Authority and is registered in England. Registered No. 2122340. Registered Office: 30 Gresham Street. London. EC2V 7QN.