Investment Philosophy

NMPI are defined as “Pooled investments or funds characterised by unusual, speculative or com- plex assets, product structures, investment strategies and/or terms and features.” They include: • A unit in an unregulated collective investment scheme (UCIS) • A unit in a qualified investor scheme (QIS) • A security issued by a special purpose vehicle (SPV), other than an excluded security • A traded life policy investment • Rights to, or interests in, investments that are any of the above NON-MAINSTREAMPOOLED INVESTMENTS (NMPI) INDEPENDENT FINANCIAL ADVISERS Alternative assets are investments that do not fall into the traditional asset types. As they are generally characterised by higher costs and less liquidity than traditional investments, we at Invest Southwest feel they are not likely to be appropriate for the majority of our clients. However, for some high-net worth individuals and/or sophisticated investors we accept there may be a place. We accept there are a number of advantages to Alternative Assets and they may be appropriate in some individual circumstances. In particular, their returns have a low correlation with those of standard asset classes, and are therefore very useful in diversifying portfolios. For Invest Southwest this is a rarity relevant only to exceptionally diverse portfolios and in the main this is for experienced/sophisticated investors in line with their overall objectives. ALTERNATIVE ASSETS Ethical investing, also known as socially responsible, sustainable or socially-conscious investing, describes an investment strategy which seeks to maximise both financial return and social good. We fully appreciate that there are a variety of different ways in which we can engage with ethical investing for those of our clients, for whom achieving a social good is just as important as a financial return. However, by heavily restricting the range of funds on offer, we are conscious this may put the average investor off. Invest Southwest’s policy therefore is to offer the client an informed choice. By this we mean we do not advise on ethical investing by default, but we do where appropriate on a client by client basis. ETHICAL INVESTING

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