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How We Choose Investments for Our Clients

Finding the right investment for every client begins with a client-focused point. Once the client circumstances, risk tolerance, risk capacity and financial goals have been determined, the portfolio selection can be implemented. However, what is also taken into consideration is the way in which the client would react if their investment portfolio decreases in value as well as the way in which it would affect their financial goals. Getting everything right ensures client satisfaction and a significant level of confidence at each point within the process.

 

Planning Goals and Fact Finding

 

It is important that we get to know our clients as that enables us to understand their need. At this point, we then analyse assets as well as liabilities while we also establish a target income and capital while we also consider their ethics.

This feeds into our scenario planning which then combines with their financial goals on a short, medium and long term basis.

 

Tolerance and Risk Capacity

There is an element of risk when making investments but measuring their risk capacity enables us to determine their ability to deal with financial storms. To do this, we consider thing such as how much time they have until they retire, their wealth as well as their income. Risk tolerance is about their ability to deal with significant changes in their investment value. All of these factors make it possible to determine how much risk they can deal with. So, a client might have the resources deal with a decline in the market which would give them a high-risk capacity yet they might find it a distressing time which would be classed as low-risk tolerance.

 

Asset Selection

After a risk profile has been created and the goals of the client have been determined, the asset selection process begins. In some cases, a pre-determined client portfolio might be used the necessary due diligence has been applied. This provides assurances when it comes to their financial strength and priced correctly for clients and are likely to be less volatile.

 

Management

Clients will benefit from ongoing financial advice where we ensure that the investments align themselves with the risk appetite of each client as well as their risk capacity and financial goals. Often, the circumstances of a client can change, such as inheriting money and so, suitable adjustments can be made to the portfolio after a thorough review.

The aim is to provide our clients with the right investments that work within the parameters of their circumstances while also ensuring that their money works hard for them

Lewis Samuel / CI-ASSOCIATES

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