Your Investment Management Options

We offer two investment management options – Discretionary Investment and Advisory Investment. These options are similar in terms of both the service we provide and the fees we charge, the main difference is in the way we execute investment decisions for you:

Discretionary Investment
With discretionary investment, you pass all of the day-to-day decision-making over to us. A discretionary service minimises paperwork and allows us to execute any investment decisions we make for you quickly and efficiently.  We will always keep you informed of any significant changes we make to your portfolio.

Advisory Investment
With advisory investment, we write to you before making any changes to your portfolio. If and when we receive written consent back from you, we will make the suggested change to your portfolio. This service is suited to clients who like to discuss significant changes to their portfolio before they happen.

Our Service To You

As an investment management client you are assigned a personal investment adviser who will regularly review your investments. Your adviser is also available to discuss your investments by telephone, email or post throughout the year when needed. Your adviser’s aim is to work with you to construct a portfolio that is tailored to your own individual investment requirements and tolerance to risk.

Our investment management service also includes the following benefits:

Twice yearly valuations
We send you a valuation by post every six months (in April and October to coincide with the tax year). This valuation includes confirmation of any transactions made during the period and the April valuation includes an annual income schedule for tax purposes.

Online valuations
You are able to view your portfolio and transaction history, up-to-the-minute, from our secure online site.

Performance analysis
Your valuation includes your portfolio’s overall performance over each six month period, along with the performance of relevant market indices.

Capital Gains Tax Planning
We provide an optional, comprehensive CGT planning tool (including an annual CGT report)  for £50 (+VAT) per annum.

Only a Small Amount to Invest?

Our aim is to put together an investment solution that works for you – whatever your circumstances and requirements. If you have a smaller sum of money to invest our discretionary and advisory investment services remain an option, but a minimum fee of £375 per annum applies. For clients who would rather avoid this minimum fee we can offer our Designated Portfolio Service:

Designated Portfolio Service
Our Designated Portfolio Service allows you to construct a portfolio based on our asset allocation models (currently four – Adventurous, Growth, Growth & Income, Higher Income). Changes to these models are made on a quarterly basis by our investment team, and clients are sent a portfolio review every three months. This service has no minimum charge. For more information please see the key benefits document below.

Key Benefits of the Wise Designated Investment Portfolios – April 2012

Another option is an investment in one or more of our in-house funds (TB Wise Investment, TB Wise Strategic, TB Wise Income and Evenlode Income), which also have no minimum fee. These funds give you the ‘essence’ of our investment approach whilst also minimising paperwork and tax planning.