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Whether you're 30 years away from retirement or 10 years into it, our investment plans will align exactly with your goals, taking care of your today and your tomorrow.

 

Working in partnership with RSMR, we offer a complete range of actively managed, risk-rated investment portfolios designed to meet your unique investment requirements.

Taking into account your goals and aspirations, as well as your attitude to investment risk, we will design a unique investment strategy that will aim to not only protect your wealth, but also provide the investment growth required to meet your future financial goals. 

With each of our portfolios driven by E’values comprehensive rating system, it's our goal to optimise the investment performance for the level of risk you are prepared to take. As well as covering 5 risk levels, from cautious through to adventurous, RSMR are one of the few providers that will also take into account various time horizons for each level of risk, with each one designed to match and cater for your short, medium, or long-term goals. 

 

 

DAM’s portfolios are a range of risk-targeted portfolios designed to meet the needs of our wide variety of clients. The portfolios are designed to produce superior risk adjusted returns. Traditionally portfolio selection has evolved around choosing the best funds per asset class, but at DAM we believe that active funds offer diversification benefits over and above what can be obtained from the asset class and that this characteristic, properly harnessed, is extremely valuable. By carefully selecting the right mix of active funds, we are able to diversify away more risk than the asset allocation model alone would be able to, leaving us a little bit extra in our risk budget to spend on more exciting investments that drive returns while still sticking rigidly to the desired risk profile. Using a diversification optimiser technology to exploit the differences in fund managers’ styles, strategies and viewpoints to maximise diversification, coupled with the traditional actuarial input into asset allocation, our results are solid, robust portfolios that ensure you get the most from active fund management. Each portfolio must conform to a strict risk target which is regularly reviewed to ensure that our clients can continue to have confidence in their investments.

Our in-depth risk questionnaire is designed to provide us with an accurate overview of your attitude to risk, and capacity for loss, allowing us to select an investment strategy that best suits your risk requirements, and investment timeframe - whether that be short, medium or long-term. Plus, we understand that your attitude to investment risk is going to change over time. That's why our regular meetings are designed to re-evaluate your circumstances and make any necessary changes to your investment strategy to ensure you remain on track to achieve your goals.

The costs of investing in our DAM portfolios can be split up into three main sections. As independent financial advisors, we are not 'tied' or 'restricted' to any provider, and before making any recommendations, will carry out an analysis of the market, selecting the most suitable provider to meet your individual needs. Whilst this selection will largely be based on finding the provider that offers the best costs for your investments, a number of other factors will also have a role to play.

  • Platform fee: this is the fee taken directly by the provider. A platform provides flexible access, allowing you much greater choice with regards to how and when you lift your money, particularly when it comes to your pension.

  • Fund fee: this is the fee taken for investing in the range of funds. This covers the costs for investment management and operating expenses. However, you will not actually see this charge lifted from your investment pot each month. Instead this will be reflected in the number of units of each fund that are purchased. 

  • Adviser fee: these are the initial and ongoing fees taken and will vary depending on the level of service you opt for. For the initial fee, this covers the cost of the research, recommendation and process. For ongoing fees, this covers regular reviews of your investments to ensure they remain on track. This will also cover our lifestyle financial planning services.

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Are you beginning to see the importance of a solid investment strategy?

Then contact us today to arrange an initial no obligation call/meeting with one of our advisors

 

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