Investment Philosophy

FUND SELECTION Having established our clients’ objectives, risk and reward profile, capacity for loss, the likely term of the investment and the resultant asset allocation, and ensuring the client has adequate funds held in cash for emergencies and planned spending, we select funds using one of two broad methods of fund selection determined by the client: • A researched selection of funds provided by Threesixty Services LLP reflecting a stringent methodology of meetings with investment departments, monitoring of fund manager movements, performance measurement against sector over various time periods, industry ratings from the likes of FE Analytics, Morningstar OBSR, Rayner Spencer Mills, City Wire comparisons among others. These funds are likely to have a very good historical fund performance, the downside being the fund costs may be higher. • The ‘in-house’ funds of the recommended product provider, which approximate to the sector average performance. It could be argued that, if adhering to the principles of asset allocation, ‘star’ fund managers may not be necessary and may not add value. The ‘in-house’ funds tend to levy lower fees, which over many years can have a positive effect on the overall investment return. When an external Discretionary Fund Management service is appropriate, the resulting portfolio is also based on objectives, risk and reward profile, capacity for loss and the likely term of the investment. INDEPENDENT FINANCIAL ADVISERS