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Read about our three investment models

Discretionary fund management (DFM)

Wealthier individuals have often enjoyed the benefits and greater potential returns that, due to the competitive charging structure, we are now able to bring within reach of a much broader spectrum of clients.

Discretionary Fund Management is when you give a fund manager permission to actively manage your investments on a day to day basis to achieve previously identified goals based upon your attitude to risk.

Traditionally when you invest in a fund, unless you’re spending time watching the markets yourself, you’ll only get an idea of how your fund is performing maybe once a year when you receive your statement. By then a fund value may have dropped and as a consequence the value of your investment. Even if you did want to make a change you would have to notify your IFA who then instructs the fund manager. This can take several days or even weeks and by this time it may be too late.

DFM allows your fund manager to react quickly to the markets, taking advantage of volatility to make gains within your risk category, as well as mitigating losses.

This is possible because you’ve already given your manager permission to act on your behalf so there’s no need for lengthy delays with requests and instructions. The manager actively manages your investment for you, balancing your portfolio regularly to ensure it represents your attitude to risk.

DFM isn’t new. What is new is the level of investment you need to take advantage of it. DFM has previously only been available to high net worth individuals. Now, Sterling McCall can provide access to it even for a low minimum investment!

And it’s not as expensive as you might think. Under traditional investment methods you could be charged over 4.% of your fund value. DFM with us costs a maximum of 0.85% annual management charge excluding the Total Expense Ratio (TER). Ask your IFA for more details.

Discretionary Fund Management may not suit your individual circumstances. Please contact us to discuss your requirements.

Multi Manager Fund Asset Allocation

Multi-manager is about spreading your money across multiple fund managers, rather than entrusting one individual or fund management company to look after your money.

In broad terms, the professionals (fund managers) pool clients’ money together so they can access products and asset classes that in the past have been restricted to wealthy or institutional investors.

They are designed to be held for the medium to long term (usually five to ten years), have no fixed maturity date and are ISA-ready for tax-efficient investing.

Advisor Asset Allocation

It is widely agreed that asset allocation accounts for a large part of the variability in the return on a typical investor’s portfolio. This is especially true if the overall portfolio is invested in multiple funds, each including a number of securities.

Asset allocation is generally defined as the allocation of an investor’s portfolio among a number of “major” asset classes. Clearly such a generalisation cannot be made operational without defining such classes.

Once a set of asset classes has been defined, it is important to determine the exposures of each component of an investor’s overall portfolio to movements in their returns. Such information can be aggregated to determine the investor’s overall effective asset mix. If it does not conform to the desired mix, appropriate alterations can then be made.