The investment principles

Retirement Planning

For an investment process to be effective it has to take account of numerous elements, all of which are tailored to a client's needs. The right investment strategy can really make a difference and is one of the most important financial decisions you will make.

You will want to be sure that your investment strategy reflects your priorities now and for the future, confident that your investment is allocated across a wide variety of companies to spread your risk, and also that regular reviews will be conducted throughout the lifetime of your investment.

Attitude to Risk

Each person has their own individual views on risk and reward. By making a detailed assessment of these views we can set out a portfolio of investments specifically designed to take the client's needs into account. One size does not fit all.

Strategy

A clear view of where you should invest your funds is an essential element of developing an appropriate investment process. The strategic allocation is key to meeting your goals and enabling you to spread your investment across different environments, both in terms of the investment vehicle and global markets.

Diversification

Underneath your strategic allocation, a spread of investment holdings is another key element to building a strong and successful portfolio. Diversification of your holdings over a suitable range of funds, sectors, managers and markets helps reduce any single element of risk and allows you to minimise potential problems.

Investment Partners

To help us to deliver unique solutions to our clients, we recognise that using the additional resources of investment specialists is often invaluable. Our bespoke and professional proposition has allowed us to develop strong relationships with leading discretionary fund managers.

Consolidation

Today’s technology allows us to bring together your investments, pensions, bonds, stocks and shares under one solution. We can “manage out” existing holdings to take account of tax allowances and re-allocate funds to a client's overall portfolio.

This provides greater clarity, more flexibility and, in many cases, lower costs and ongoing fees.

CIB Wealth Management provides private clients with a dedicated service to control and develop their wealth opportunities. This is achieved through the experience and professionalism of our Private Client Wealth Managers and our development of leading client solutions.

We make use of leading technology and strong long term relationships with specialist fund managers to ensure that our clients goals and needs are met. We pride ourselves on our service, knowledge and long term relationships we have forged with our clients over the years.