There are two main ways you can go about investing: you can do-it-yourself and create your own execution only investment portfolio; or you can appoint a discretionary manager who will select and manage your investments for you.
Taking a long-term view means you should not need to take more risk than you are comfortable with. Investments that promise to achieve a lot in a short period of time are almost certainly too good to be true. You could even lose some of your original investment given the close relationship between risk and reward.
Investing over the long term also allows you to benefit the most from equities – a type of investment that can really help your portfolio grow. Unfortunately, equity investments also tend to react the most to short term events and markets can, of course, go down, as well as up – hence the need for a long-term focus and a clear investment process to remove the emotions associated with investing.
An investment manager should be properly diversified and different types of diversification can include:
All investments are affected by what is happening in the world, but different types behave in different ways. This means the manager can seek to maximise your investments returns, within the range of risk you are comfortable with.
Asset allocation is how the manager decides what percentage of your investments should be invested in which type of investment. They should draw on an extensive investment research capability to advise on the most appropriate asset allocation for you, from both a strategic and tactical perspective.
By actively managing the investments that are bought on your behalf, the manager seeks to benefit the most from how each of these investments are expected to behave over the long term, based on economic, financial and political changes individually and collectively.
An investment manager should not be limited by the country you call home. After all, your salary, family home and any number of your other assets are already affected by what is happening in that country. Why should your investments have to be in the same boat?
Every investment manager will say that cost is an important factor in their approach, but it really is crucial. A good manager can provide wider market access, to primary markets and institutional rates that are not available to an individual investor.
A good discretionary manager can add value by applying their experience and expertise to meet your investment goals. Most importantly, they can take an objective view and remove some of the emotion from financial decision making, which should provide peace of mind and free up your time for better things.
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Clients of Nedbank Private Wealth can get in touch with their private banker directly to understand how we ensure that these five areas of potential concern are actively managed, or call +44 (0)1624 645000 to speak to our client services team.
If you would like to find out more about how we manage clients’ investments, please contact us on the same number as above, or get in touch via the forms linked towards the end of the page.
Investments can go down, as well as up, to the extent that you might get back less than the total you originally invested. Exchange rates also impact the value of your investments. Past performance is no guide to future returns. Any individual investment or security mentioned may be included in clients’
portfolios. They are referred to for information only and are not intended as a recommendation, not least as they may not be suitable. You should always seek professional advice before making any investment decisions.
Richie has over 20 years’ experience in the financial services industry, holding a variety of roles in the banking, treasury and investment sectors. Previous positions were held at Barclays Bank and, latterly, Ermitage Global Wealth Management Jersey Limited where he was a director and member of its investment committee.
His main responsibilities involve providing the highest level of service to a number of domestic and international high-net-worth private clients, in addition to maintaining select intermediary relationships. Richie builds strong relationships with his portfolio of clients and provides a tailored and holistic private banking service, offering integrated banking, lending and investment management solutions.
Richie is a Chartered Fellow of the Chartered Institute for Securities & Investment.
Richie has over 20 years’ experience in the financial services industry, holding a variety of roles in the banking, treasury and investment sectors. Previous positions were held at Barclays Bank and, latterly, Ermitage Global Wealth Management Jersey Limited where he was a director and member of its investment committee.
His main responsibilities involve providing the highest level of service to a number of domestic and international high-net-worth private clients, in addition to maintaining select intermediary relationships. Richie builds strong relationships with his portfolio of clients and provides a tailored and holistic private banking service, offering integrated banking, lending and investment management solutions.
Richie is a Chartered Fellow of the Chartered Institute for Securities & Investment.
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