Professional Adviser Awards 2009: Winner

Investment Consulting

Introduction

An investment portfolio is likely to play a key role in achieving and maintaining your desired lifestyle and we define Investment Consulting as:

  • Knowing your current personal and financial position
  • Establishing your lifestyle, financial and investment goals, priorities & preferences (including attitude to investment risk)
  • Analysing your current investment portfolio with reference to the above factors and our own academic-based investment principles
  • Presenting you with an Investment Policy Statement which relates to the management of your investment portfolio
  • Implementing the recommendations
  • Portfolio review & rebalancing

Top of page

Advantages to Investors of Verus Chartered Financial Planners

Typical Investor Experience

  • No defined plan
  • High Fees
  • Eggs in one basket
  • Short-term perspective
  • Sold products
  • Tax-inefficient

Verus Investor Experience

  • Investment Policy Statement
  • Low Fees
  • Globally diversified
  • Focus on the long-term
  • Educated investors
  • Tax-sensitive and efficient

Our on-line investment platform, Total WealthcareTM provides clients of Verus with access to the full range of mutual funds available in the UK including low-cost, institutional index and passive funds from Legal & General, Dimensional Fund Advisors and Vanguard.

Learn more about Vanguard and Dimensional Fund Advisors.

Top of page

Making Savings: The Total Cost of Investing…

The total cost of investing with Verus can be substantially less than investing through retail investment funds. Based on an investment of £250,000, when comparing the ongoing charges (including ongoing advice costs) for a typical 'Multi-Manager' portfolio of unit trusts with our 20% fixed-interest / 80% equity portfolio strategy, total expenses are 3.08%* per annum and 1.87% per annum respectively. This represents a reduction of 40% through Verus and at least £1,000 for every £100,000 invested.

*Sources:

  1. Lipper Fitzrovia “Multi-Manager Inclusive TER Report”, December 2006 quotes the average Total Expense Ratio (TER) for multi-manager funds investing primarily in equities is 2.20%.
  2. Lipper Fitzrovia “Benchmarking UK Portfolio Turnover”, April 2007 quotes the median portfolio turnover rate for UK equity funds as 58.4%.
  3. FSA Report “The Price of Retail Investing in the UK”, February 2000 estimates the cost of turnover as approximately 1.5% per 100% turnover.

Top of page