Your Wise Investment Guide to Personalised Investment Management

Tailored Strategies to Secure Your Financial Future and Achieve Your Goals with Confidence

 

What does financial security mean to you? Whether it’s retiring peacefully by the coast, funding your children’s education, or preserving your wealth for future generations, achieving long-term stability starts with having a clear and actionable strategy.

Investment management is about more than just growing your money, it’s about aligning your financial decisions with your unique goals and aspirations. By creating a personalised plan that reflects your priorities and risk tolerance, you can build confidence in your financial future. With expert guidance and a thoughtful approach, you can navigate the complexities of investing and take meaningful steps toward the life you envisage.

The journey to financial security starts with a plan tailored to you, one that’s designed to adapt as your goals evolve and the world around you changes.

 

A Unified Approach

At Wise Investment, we believe that effective investment management goes beyond standalone services. That’s why our Financial Planning and Investment Management teams work in close partnership to deliver a comprehensive, integrated approach to managing your wealth. By combining these two essential services, we ensure that every aspect of your financial journey is aligned with your unique goals and aspirations.

This collaboration allows us to consider the full picture of your financial life, from retirement planning and tax efficiency to investment strategies that are tailored to your risk tolerance. Our Financial Planners take the time to understand your personal and financial circumstances, while our Investment Management team ensures that your portfolio is optimised to support the broader strategy. Together, they create a seamless process that brings clarity and reassurance to you.

 

The Benefits of an Integrated Approach:

• Aligned Goals: Your financial plan and investment strategy are designed to work hand in hand, ensuring that every decision supports your long-term objectives.
• Holistic Insights: We consider your entire financial landscape, including income, expenses, savings, and future needs, to provide well-rounded advice.
• Consistent Communication: With both teams collaborating closely, you benefit from a unified and consistent approach to your financial plan.

 

“By combining financial planning and investment management, we ensure that every client’s strategy is cohesive and focused. This partnership means we can adapt to life’s challenges seamlessly while keeping your long-term goals in sight.”  

Joseph Cooper, Chartered Financial Planner, Wise Investment

 

Portfolio Management Aligned to Your Goals

What does an effective investment portfolio look like to you? It should be as unique as your financial goals, reflecting your personal circumstances, aspirations, and tolerance for risk. Portfolio management involves creating a strategy that aligns with your priorities and adapts as your life changes.

The process begins with identifying your financial objectives. Are you looking to secure a comfortable retirement, save for a child’s education, or grow your wealth for future generations? Once your goals are clear, your portfolio should be designed to support them while carefully considering the level of risk you’re comfortable with.

 

Which Approach Suits You?

When approaching investment management, you will likely encounter two common choices: Discretionary Portfolio Management and Model Portfolio Services. While both aim to help you achieve your financial goals, they differ in how they approach investment decisions and the level of customisation they offer.

 

1. Discretionary Portfolio Management

This approach is ideal if you prefer to delegate the responsibility of managing your investments to a professional. With discretionary portfolio management, your investment manager creates a bespoke portfolio tailored specifically to your financial goals, risk tolerance, and unique circumstances.

Once the strategy is agreed upon, the manager takes full responsibility for making decisions about your portfolio on your behalf, including buying, selling, and rebalancing investments. This means you don’t need to be involved in the day-to-day decision-making but can rest assured that an expert is actively monitoring and adjusting your portfolio.

Why choose discretionary management?

• It’s personalised: Every aspect of your portfolio is designed around your financial objectives.
• It’s time-saving: You leave the complexities of investing to a professional, freeing you to focus on other priorities.
• It’s dynamic: Your portfolio can adapt quickly to market changes without needing your direct input.

Discretionary management suits those who value a highly tailored approach and are comfortable trusting an expert to act in their best interests.

 

2. Model Portfolio Service

In contrast, the Model Portfolio Service is a simpler, more structured option designed for individuals who prefer an efficient and straightforward approach to investing.

Instead of creating a bespoke portfolio, you select from a range of ready-made investment options that are pre-designed to suit various financial goals and risk levels.

Each model portfolio is carefully constructed and managed by a team of investment professionals, who regularly monitor and adjust the underlying investments to ensure they remain aligned with market conditions and the portfolio’s objectives.

Why choose a model portfolio?

• It’s accessible: With clear options based on risk tolerance and goals, it’s easier to choose a portfolio that matches your needs.
• It’s cost-effective: Model portfolios are generally less expensive than fully bespoke services, as they rely on pre-designed strategies.
• It’s efficient: Your investments are actively managed without requiring the extensive customisation of a discretionary service.

Model portfolios are ideal if you’re looking for a balanced and effective solution that simplifies the investment process while offering professional oversight.

Both discretionary portfolio management and model portfolio services can be effective, but the best choice depends on your personal circumstances, goals, and preferences.

Effective portfolio management, regardless of the approach, ensures that your investments remain aligned with your financial plan, balancing opportunities for growth with a level of risk you’re comfortable taking. What’s most important is finding a solution that works for you, both now and as your financial journey evolves.

“Our unique culture allows us to implement a calm, thoughtful and long-term driven approach to investing for each individual client’s needs – as opposed to the often frantic, transactional and short-term driven approach common in our industry.”

 Will Geffen, Head of Investment Management

 

Understanding Risk

Investing always carries an element of risk, and it’s important to embrace this reality. The value of investments can fluctuate, meaning there’s potential for both gains and losses. While past performance can provide insights, it should never be relied upon as an indicator of future results.

At Wise Investment, we prioritise helping you understand the risks involved and ensuring that your portfolio strikes the right balance between risk and reward. By doing so, we aim to maximise the potential for growth while keeping you informed every step of the way.

 “Taking on risk is a natural part of investing, but it’s our job to ensure that all clients are confident about the balance between risk and reward and then implement strategies that reflect their goals and tolerances.”

Will Geffen, Head of Investment Management

 

Start Your Journey Towards Making a Wise Investment

Are you ready to take the next step towards achieving your financial goals? Whether you prefer a tailored approach or a straightforward solution, your investment strategy should reflect your unique circumstances and aspirations.

With the right guidance and a clear plan, investing can be a powerful tool to help you build the future you envisage. Take the first step today, define your goals, explore your options, and work with experts who can guide you every step of the way.

 

Disclaimer: All investments carry a degree of risk. The value of investments can go down as well as up, and you may get back less than you invested. Past performance is not a reliable indicator of future results. For a detailed breakdown of our fees, download our Fee Schedule or contact us directly.