INVESTMENTS – Portfolio Management

When was the last time you gave your portfolio a comprehensive health check, if ever?

As fund manager moves become increasingly common and stock markets remain volatile, it is now more important than ever to ensure that your portfolio is optimised to meet your needs. Optimising your portfolio means ensuring you have a mix of assets that are appropriate to your objectives whilst making sure any funds held are managed by fund managers who are likely to outperform, and hence justify their fees.

Until now this process has usually been time consuming and/or expensive. With City Financials Portfolio Analyser you can carry out a full health check - here's how:

1. We need to establish your investment objectives. This will affect the proportions of your portfolio that should be invested in different asset types. For example a cautious investor should normally have less invested in stock markets compared to a more adventurous investor.

2. You need to state whether you are starting a portfolio from scratch or reviewing existing investments, with or without a cash top-up.

3. If you have existing investments we need to know more about them. You can either provide details of them individually (these can be UK shares of funds), or simply provide us with information about your portfolio. To get the most out of our Analyser we suggest you have recent portfolio or investment valuations to hand.

4. We will then show how your portfolio asset allocation varies from the split that we believe is most appropriate to your objectives and the impact of that on the risk profile.

5. We will analyse the individual holdings and their performance record, along with our research team's ratings (if any) on the funds you hold. We will highlight holdings that we think should be sold, or reduced in size.

6. If you are investing new money, we will suggest funds that complement your existing holdings.

7. You can then make 'virtual' changes to the proposed portfolio, as you wish, to optimise to suit your personal preferences.

8. Once you are happy with the selections we will then buy the funds, either within or outside an ISA, through one of the major fund supermarkets.

9. Finally you can appoint us as your financial adviser for your existing fund portfolio and future investments.

To talk to one of our advisors, call 0800 3893345 or email info@city-financial.co.uk