To ensure our clients are able to meet their aspirations we at St Pauls firmly believe your monies should be professionally managed in a cost-effective manner using modern investment techniques and solutions available rather than just relying on off the shelf products or funds.
This way of managing your investments used to be exclusively for wealthy investors but the with the advent of technology and substantial changes in the way we are able to access such professional management means we are able to bring this superior level of ongoing management in an exceptionally cost-effective manner.
But what about the costs of this you may well ask? This professional level of management of your affairs to help you achieve your goals and aspirations is often less expensive than comparable off the shelf products and solutions offered elsewhere.
The St Pauls Financial Portfolios offer all our clients the opportunity to have a carefully managed portfolio that is built and managed to suit the needs and characteristics of our clients.
The portfolios are overseen by our Investment Committee which:
Defines the objectives for each portfolio
Sets the mix of assets within the portfolio
Appoints a manager to implement the strategy
The SP Portfolios have been developed to St Pauls Financial Planning’s objectives and constraints and are purpose-built for the needs and characteristics of St Pauls Financial Planning’s clients.
Ed Cullen, Director and Independent Financial Planner
As your adviser we will assess the suitability of each portfolio and ensure it is appropriate to your return requirements, and risk profile.
The portfolios are managed by the appointed manager on a discretionary basis, which means that the portfolio manager will make decisions on your behalf as regards adjusting the risk exposure of the portfolio to adapt to changing conditions.
Ongoing risk management means that each portfolio is kept up to date with changes in the market and economy. This can help keep your portfolios on track for their objectives.
By moving to a managed portfolio, we can ensure that any changes around the mix of assets and fund choices are made consistently for all clients at the same time ensuring that your portfolio keeps pace with what is happening in the markets as well as best ideas for fund selection for each market.
The funds within your portfolio consist of diversified, high quality funds from some of the world’s largest asset managers. The Joint Investment Committee selects funds from these firms and others like them to match the asset mix that is appropriate to your risk profile and adjusts that mix to adapt to changes in the markets.
Our appointed manager screens and selects a combination of different types of funds for each asset class, for certain characteristics set out in the agreed investment guidelines. Some funds are selected for the potential to outperform their respective benchmark, other funds are selected for their excellent value for money, other funds are selected as diversifiers that can help mitigate overall portfolio risk. We feel this is a much more robust approach then merely offering an off the shelf solution and having this reviewed once a year which is often the cases with other Financial Advisers elsewhere.
Similar to our own investment philosophy, a fundamental part of our appointed manager’s philosophy is the belief that the main driver of portfolio outcomes is allocation across a broad range of asset classes. Industry-based research has shown that asset allocation, rather than stock selection, is the main driver of portfolio returns. We focus on developing asset allocation strategies to achieve specific portfolio objectives which ultimately connect to client needs.
We’ll listen to fully understand your challenges. We strive to talk to you in plain and simple terms – no jargon. We’ll give you advice and guidance on how best to manage your portfolio and investment.
