Start with the
why and when.
Clarify the portfolio’s purpose, time horizon, income needs, liquidity requirements and attitude to risk. These are the foundations for an agreed investment brief.
A plain-English overview
Investment
management.
A portfolio needs a clear purpose. Investment management involves building a portfolio around agreed aims, managing it in line with a mandate, monitoring it over time and rebalancing when appropriate.
Explore the processREADING · UK & EUROPE
A plan, with regular check-ins.The moving parts
Build with a plan.
Review with care.
Every portfolio starts with its job: what it is meant to support, when the money may be needed, and how much uncertainty is acceptable. An investment manager then follows an agreed mandate and monitors the portfolio over time.
Start with the
Shape a
diversified mix.
Set a suitable asset allocation and build a portfolio intended to match the brief. Diversification can spread exposure, but it cannot remove investment risk.
Keep an eye
on the plan.
Review the holdings, risk, costs and progress against agreed objectives. Significant changes in markets or a client’s circumstances may prompt a review.
Bring the mix
back into line.
Over time, some assets may grow or fall faster than others. Rebalancing adjusts the portfolio towards its agreed allocation, subject to the mandate, costs and any tax considerations.
Important to understand
This page is general information, not a personal recommendation or an offer to manage investments. Investment values can fall as well as rise, and you may get back less than you invest. Investment management and investment advice are regulated activities in the UK; confirm the permissions of the firm providing any specific service before you engage.
Read the FCA’s information for investment managers ↗Planning for the longer view?