We will build an investment portfolio that will match your risk-return profile, whether that be cautious, low, moderate, high or adventurous. These assets will be in either a Bespoke Investment portfolio or an actively managed equity portfolio.
A portfolio should be diversified to withstand the pressure of rough market conditions. Bespoke Investment portfolios are usually invested in three different asset classes, equities, fixed income and cash.
Our Bespoke Investment portfolios are designed to:
Our definition of a Bespoke Investment portfolio is directly correlated to the situation and need of each individual client. A portfolio, which is created for a young businesswoman might not be diversified enough for a retired army officer. As you can imagine the situation and needs, in this case, are likely to be dramatically different.
Each portfolio is tailored to the client’s own risk profile. Our managers have experience of running multi-billion diversified portfolios successfully. Our own asset allocation model helps focus discussions on our positions and its results have stood the test of time.
Bespoke Investment portfolios at MVAM can be either stand-alone accounts or part of a SIPP, SSAS or NISA portfolio.
Enabling a portfolio to be invested in different assets gives the manager additional flexibility to reduce risk when markets become stressed.
We will discuss the level of risk you would like to take and then discuss the risk level that is appropriate for you.
What is a ‘portfolio‘?
A portfolio is just a collection of investments. We will build and manage your portfolio based on your investing goals.
By taking on the right level of investment risk for your portfolio, we improve your chances of higher returns.
We also aim to offer truly diversified portfolios. This means avoiding risks associated with investing too much in a specific asset class, industry, company or country.
Can I customise my portfolio?
We are a discretionary investment manager which means that we build, manage, and rebalance your portfolio for you.
When you first create your account, we will discuss an appropriate portfolio based on your financial situation, risk tolerance, financial experience and age.
Once we have selected a portfolio with you, the only way to further customise it is by changing your asset allocations. If you choose to overlook our recommendations, we will discuss these with you to alert you that you may not have selected the most optimal portfolio.
We will periodically ask you to provide us with updates on your financial situation, risk tolerance and financial experience – if there have been any significant changes, we will determine a new optimal portfolio for you.
How does diversification benefit my portfolio?
It makes sense to diversify your investments because no single asset class performs best in all economic environments and different asset classes tend to react differently to the same event.
‘Don’t put all your eggs in one basket’ is a sound investment approach.
Although we would go further and say diversification is the most important factor in achieving long-term investment goals, as it reduces the risk associated with a given expected return.
Thus, diversification enables you to achieve a higher return for the same level of risk.
The value of your investment in this portfolio and the income from it may go down as well as up, and you may not get back what you invested.
Mole Valley Asset Management is authorised and regulated by the Financial Conduct Authority. Registered No. 613008 (www.fca.org.uk), 12 Endeavour Square, London E20 1JN
Mole Valley Asset Management, Registered in England No 08600041. Registered office: 275 High Street, Dorking, Surrey, RH4 1RY
MVAM Financial Advice is a trading style of Mole Valley Asset Management Limited which is authorised and regulated by the Financial Conduct Authority.