What is a Portfolio? We have all heard the word used when talking about finance, but what actually does the word mean? The actual definition of Portfolio is:

“The combined holdings of more than one stock, bond, money market instrument, commodity, collectible, or real estate investment.”

When creating a Portfolio, our Advisors split the creation process into six key points, all of which need to be considered and discussed and the Clients’ requirements taken fully into account – this process allows our Advisors to tailor-make a Portfolio to meet any specific and exacting need. These key areas are:

Access and Flexibility – How liquid should the portfolio be from the outset and what access is required?

Timescales Involved – Are there pertinent timescale parameters within which the Portfolio has to perform? Are there any target dates for encashment? Are there any key goals in the future that this Portfolio is linked towards?

Risk Profile – For us this is probably the most key point, how much risk is the Client prepared to take in order to meet their goals? Has the Client completed an Investor Profile Questionnaire? Does the Client fully understand the meaning of Risk?

Asset Classes – Ascertain whether Client wants any particular asset classes to be included in the Portfolio, are there any that they particularly want or do not want? Explain the differences between the asset classes in relation to risk.

Strategy – Given the timeframes, risk profile, flexibility requirements and decided composition, discuss a strategy that suits the Clients needs and implement this strategy. Ensure the client understands the strategy and how it is being implemented in order to meet their needs.

Management – Decide through discussion what type of Investor the Client is and whether they wish to be ‘hands-on’ and actively manage this portfolio with the Advisor, whether they wish to be ‘hands-off’ and allow the Advisor to track the Portfolio or use a Discretionary Fund Management service.

All of the above six points are crucial when creating a Portfolio and our Advisors cannot place enough emphasis in covering these points when helping to create a Portfolio. The key to making a Portfolio work, is reciprocal communication between Client and Advisor at the outset, allowing the Advisor to fully understand what is required by the Client and this enables the Advisor to tailor-make a specific Portfolio to match the Clients’ needs.

Our Advisors will also gladly review any current Portfolio and offer impartial advice in the form of a Portfolio Appraisal.

As mentioned, we place great emphasis in our Clients understanding their Investor Profile and this can be helped by completing the Investor Profile Questionnaire that we have online. Prior to anyone investing or saving with Financial Page International, we actually insist upon an Investor Profile Questionnaire being completed in order to ensure that both the Client and our Advisor, have a mutual understanding of the Client's personal profile.

If you would like to complete this Investor Profile Questionnaire, please click Here, complete the questionnaire online and click Submit. This will automatically forward the Questionnaire to us and one of our Advisors will contact you directly to discuss your own personal risk profile.

If you would like to find out more about our Portfolio Creation or Portfolio Appraisals, feel free to Contact Us and an Advisor will be in contact with you within 24 hours.