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Selection and Review - Knot garden

Selection & Review

Why do a review?

Beside the regular investment reviews a more comprehensive appraisal, typically every 3 to 5 years, is expected of charity trustees and of benefit to other investors.

Whilst a change of investment manager is certainly not assumed to be the outcome of every review, the opportunity to test the quality and pricing of the service received is valuable.

Perhaps more importantly, investors have the opportunity to review their investment objectives, needs and risk profile and to validate the strategy that the incumbent investment manager has applied to their investments.

Longer term performance will be considered and the prospective investment requirements compared with the investment outlook.

A periodic complete reappraisal can be beneficial to the investor and the investment manager. The investor has the opportunity to consider new investment opportunities and strategies. The investment manager gains the certainty that the investment strategy is current for the investor’s needs and is well articulated.

Who can benefit from a review?

Looking at the benefits of a review, there is an opportunity to:

Do I need a review?

Circumstances that would prompt a formal or full review include:

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Charity Trustees

Since the enactment of the Trustee Act 2000, charity trustees have been required to review their professional advisors on a regular basis.

There is no expectation that this means a change, but it is incumbent on trustees to record that a process exists and is followed.

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Your Solution

A periodic complete reappraisal can be beneficial to the investor and the investment manager.

The investor has the opportunity to consider new investment opportunities and strategies.

The investment manager gains the certainty that the investment strategy is current for the investor's needs and is well articulated.

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Private Wealth

Private Wealth may be invested through a number of structures ranging from personal portfolios to ISAs and PEPs, self-managed pension plans (SIPPS or SSAS), trusts and investment companies.

Families may wish to establish an overarching strategy for all family assets.

More typically different portfolios will develop different investment strategies reflecting the needs of beneficiaries, current tax treatment and tax planning issues.