Our Investment Committee
Why we need an Investment Committee: There is absolutely no point in having the best tax saving advice in the world if the underlying investment product which is recommended for you – be that ISA, Pension, Unit Trust or Bond – doesn’t bring you the returns you would come to expect taking into account your personal attitudes to investment risk and capacity for capital loss.
Equally, there is absolutely no point in your IFA setting up an investment portfolio which they do not review and rebalance regularly.
What we, working as your IFA, will give you is a proposition which sees your investment managed actively and regularly offering a consistent approach and process across all investment risk profiles, irrespective of whether you have £1,000 or £1,000,000 to invest.
We have committed to review and monitor your investment portfolio on a regular and ongoing basis to ensure diversity, to reduce investment risks and to seek to improve returns on your investment over the longer term.
Our aim is to add real value to your investment experience backed by ‘real time’ monitoring of your investments.
Our Partners
To achieve these aims, we work in partnership with our preferred investment partner, LGT Vestra LLP, an award-winning Discretionary Fund Manager (DFM), in the creation and ongoing management of a collection of model portfolios which we call the Prestige range.
The partnership will work to common governance and investment philosophies and you can be assured that the Prestige portfolios – and their component parts – remain aligned to your attitude to investment risk.
Your Investment Committee
The Prestige portfolios have been created to power our Active Money Management investment proposition, with the portfolios monitored and managed by a joint Investment Committee composed of LGT Vestra’s Investment Managers and Pembroke’s Independent Financial Advisers.
The Investment Committee meets every quarter to analyse the Prestige portfolios’ asset allocation strategy and recommended fund choices.
The joint committee will continue to communicate with you every quarter, providing you with our investment ‘outlook’, informing you of any changes made to your investment portfolio and explaining the thinking behind those changes.
Prestige
The 5-risk graded, 2 Specialist and 3 Better World (Ethical) Prestige model portfolios are unique to Pembroke and reflect our combined views on economic and investment markets.
The portfolios benefit from the most current investment thinking and the best ideas through dynamic portfolio construction, combining Pembroke’s expertise and in-depth knowledge of your personal financial requirements and LGT Vestra’s investment process, research capabilities and understanding of markets.
A discretionary mandate
Central to the new partnership proposition are LGT Vestra’s discretionary investment powers and we firmly believe that one of the critical advantages of the improved Committee’s discretionary powers is the ability to react quickly to economic, market and fund management changes.
You no longer have to give your consent every time portfolio changes are made. Instead the partnership Investment Committee will make changes and rebalance all of the portfolios every quarter and then tell you what changes, if any, have been made.
In Committee, if the analysis of the portfolios and their constituent parts lead to a recommendation for change then we are able to act on that proposal immediately and then communicate those changes to you.
We believe that we have found the perfect blend to improve further on the services which we can provide for the ongoing management of your portfolio.
In our previous ‘advisory’ ongoing investment management service which ran from 2009 to 2019, our Investment Committee comprised all of our regulated advisers and Keith Relf. Each individual had their own specialist area to research, review and report on each quarter.
If you click on the Advisers photograph within the ‘Our Investment Committee’ box below you will be able to read what their area of expertise was within the Committee -these will continue to be area of specific individual interest in the new discretionary joint Investment Committee.
Asset allocation is the major determinant of risk and return for any investment portfolio and we believe that it is always sensible to rebalance a whole model portfolio rather than to conduct a series of fund switches.
Please call 01273 774855 or write to us by clicking here if you would like to know more about our unique ongoing investment proposition works and to discover the performance of the 9 model portfolios which ‘drive’ our Active Money Management service.
The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
Gill & Jack Froelich, Petersfield
Thanks again for your time and patience
Thank you very much, Keith, and thanks again for your time and patience today. Jack and I thoroughly enjoyed our visit – and that’s not something that is said when visiting most financial institutions!
Stephen, Hove
10% increase on our investments
Just received the latest 6 monthly valuation statement from Standard Life (a 10% increase!), and so wanted to say thank you to Keith and to you all on the Investment Committee.
