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We believe that clients, whilst keen to achieve their investment aims, are also seeking a high level of service. Our aim is to be attentive to the requirements of all our clients, to report regularly the progress against the investment aims and to be available as much or as little as required to discuss any and all aspects of their investments.
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Taking advantage of ISAs and utilising Capital Gains Tax annual allowances all help to improve the returns to shareholders by minimising the amount taken by the taxman. As part of our discretionary service, we take responsibility for utilising these allowances on your behalf.
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We believe that the best outcomes are likely to be achieved by recognising that investment is a long term activity. We seek to invest at the outset in securities which we believe can be bought and held for many years. Whilst this is not always possible as companies’ prospects can change, we aim so far as possible to create stable portfolios that require few touches to the tiller. We believe that constant tinkering to portfolios is unlikely to optimise long term returns.
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Diversification is a vital tool to reduce the volatility from within your portfolio. A wide mix of assets reduces your vulnerability to individual underperforming securities or asset classes. However, ‘overdiversification’ can limit your returns too. We seek to choose investments which satisfy a number of criteria and we avoid those that contain risks which we find difficult to understand. We aim to choose holdings in high quality securities and asset classes from the outset which combined, reduce the overall volatility but still offer good opportunities for capital and income growth.
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At the outset of our relationship we set out to understand what our clients aim to achieve through investment and discuss what might be reasonably achieved. We seek to develop an insight into the appropriate level of risk that matches their circumstances and once we are in agreement we construct a portfolio, bespoke to that client, that is designed to achieve the desired outcome.