As an alternative to purchasing an Immediate Needs Annuity to cover the care costs, a number of clients prefer to use an investment basis. Our recommended Model Investment Portfolios have been carefully chosen with the purpose of care fees funding in mind. There are no penalties for withdrawing the money and there are no high initial charges, unlike some other investment products.
With the investment constantly monitored to keep in line with a choice of ‘risk’ our specially selected Model Investment Portfolios cover a range of scenarios for clients of all age groups and financial goals.
Keeping it simple
As part of an overall investment strategy we recommend simplifying the process of investing by utilising a Model Investment Portfolio within a consolidated Wrap Account.
There are 5 Model Portfolios, ranging from ‘cautious’ (largely consisting of fixed interest funds) to ‘aggressive’ investment strategies. The use of these within the ‘wrap’ facility means that the specific strategies can be applied across a number of different products (e.g. ISA’s or general investments) using the same investment strategy for each type of investment, but all held under the one Wrap Account.
Keeping an eye on it
What also sets our Investment Portfolios apart is that the underlying investment funds within each portfolio is diligently reviewed each quarter by the renowned independent research specialist ‘Old Broad Street Research’ to ensure that the ongoing fund selection continues to match the specific investment objectives of the portfolio.
On top of which, the Asset Allocation (e.g. the percentage placed into UK Equity, Fixed Interest etc.) for each Portfolio, is selected separately by the investment management specialists ‘Ibbotson Associates’ to provide further validation of the integrity and relevance of each specific Portfolio.
More detailed information on the Model Investment Portfolios can be found at the link below.
If you have any questions, or to discuss potential investment opportunities without obligation or cost, please call us on 0845 077 5655 or email us
Please Note: The value of your investment can go down as well as up and you may not get back the full amount invested.
A Wrap Account is a new concept in portfolio management, which is designed to assist the investor and their adviser with arranging transactions, reporting and administering your investment, whilst providing access to a range of actively managed investment options.
As part of our overall advice, we feel it is important to carry out a review of any existing investments, as these may now not be appropriate for the current change of circumstances and future potential needs.
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