We offer a range of options depending on how much you would like to be involved in the management of your portfolio. You can:
Your investment manager actively manages your portfolio on your behalf, working towards your agreed aims and risk appetite.
→ Learn more
Your investment manager follows an agreed brief, consulting you and recommending investment ideas to you. You make the final decision.
→ Learn more
You make all the investment decisions and you have access to your investment manager to seek investment advice when needed.
→ Learn more
What is a discretionary service?
We will manage your portfolio for you on a day-to-day basis to achieve your aims whilst taking your risk appetite into account. You don’t have to make the decisions on your portfolio as your investment manager will do it for you.
Why use a discretionary service?
Normally, you’ll do this if you wish to invest in financial instruments (such as shares and bonds) but you are busy and don’t have time to monitor financial markets, or if you prefer to entrust your investments to be looked after by an investment manager.
Either way, you can view your portfolio via our Client Portal at any time. We also produce quarterly Client Packs that report on the performance of your portfolio.
What kinds of discretionary service do we offer?
We offer you two types of discretionary service: bespoke or a model portfolio.
‘Bespoke’ portfolio
A bespoke portfolio is exactly what it sounds like: bespoke to you. It is constructed according to your specific needs, financial goals and restrictions. For example, if you wish to have a portfolio free from tobacco or oil and gas stocks, we can create that for you.
We review your aims and risk tolerance at least annually, making sure our approach still suits your needs.
Model portfolio
Model portfolios are an ‘off-the-shelf’ investment product. Unlike a bespoke portfolio, which is constructed around you, these models are created by a team of investment managers according to different risk levels (low to high risk) and investment objectives (income generating or capital growth). You will then be matched to a suitable model according to your risk preference and investment objectives. These models offer an affordable and efficient way to get into investing.
As with a bespoke portfolio, we manage the day-to-day needs of the portfolio but keep you updated quarterly. You will also have an assigned investment manager.
What is an advisory managed service?
An advisory managed portfolio is based on a partnership between you and your investment manager. You control the portfolio and have the final say, but your investment manager monitors your portfolio and will contact you with recommendations.
Why use an advisory managed service?
Normally, you’ll do this if you wish to have an investment professional oversee your account but you also wish to keep control of it. For example, you may prefer to make the final decisions yourself.
What is an advisory dealing service?
Unlike the advisory managed service, with our advisory dealing service we do not actively manage your portfolio, but only give you advice when you ask for it. You maintain ultimate control of your portfolio. This means that maintaining the suitability and overall risk exposure is your responsibility.
Why use an advisory dealing service?
Normally, you'll do this if you’re familiar with investing in financial instruments (such as shares and bonds) and you want to make all your own decisions. However, you may also wish to have an investment manager to discuss your investment ideas and to place your investment orders.
If you’re going to leave an inheritance, the 40% tax* on all assets above the HMRC threshold can seem like a burden. Our IHT Relief Portfolio has been designed for people who are concerned that Inheritance Tax may harm future generations of their family.
The UK government has introduced many tax benefits to encourage investment. However, the main question at the heart of investing to reduce Inheritance Tax is, what if tax rules change in the future? Only by devoting time to careful and consistent analysis can a profitable and suitable IHT portfolio be developed. At Walker Crips, the investment management team strongly believes that not overpaying for stock is the main step towards increasing the chance of long-term returns.
Next steps for you
If you would like to learn more about how we can help you invest in the potential of AIM listed companies, please call your contact at Walker Crips or contact the IHT Relief team on 01904 544 326 or york.aim@wcgplc.co.uk.
IHT Relief Portfolio brochure
IHT Relief Portfolio factsheet
* Tax rates and legislation may change in the future. Your inheritance allowance and the value of any tax reliefs are subject to personal circumstances. Please seek independent tax advice before investing.
If you’re seeking returns greater than you would receive on cash sitting in the bank, our Gilt Portfolio Service (GPS) could be a good option for you; especially if you fall into a higher tax bracket.**
This managed portfolio service has been carefully designed to cater to the needs of higher or additional rate taxpayers, aiming to capitalise on the unique opportunities presented by a changing interest rates environment.
Find out more
To invest in our Gilt Portfolio Service or to find out more information please contact us on 020 3100 8100 or private.client@wcgplc.co.uk.
Gilt Portfolio Service brochure
** Tax rates and legislation may change in the future. Please seek independent tax advice before investing.
If you have any questions or need more information, please call 020 3100 8100, email private.client@wcgplc.co.uk or fill in the form below to request a call back.
