Rfolios – our best ideas

We recognise that financial advisers continue to be challenged in an evolving regulatory environment. Selecting and managing investments requires specialised knowledge and time to maintain suitable client portfolios.

Our portfolios rise incrementally in risk and by making use of the asset allocations we provide for you, together with back-tested risk and performance data, you can map each portfolio to whichever risk profiling process you are using.

We have now combined our experience of working with advisers with our knowledge of funds and created 'our best ideas'.

The RSMR Discretionary Portfolio Service – Rfolios – has been created to deliver improved investor outcomes, simplify the advice process and enhance the overall client experience. With the ability to match existing or planned advice models, choice and flexibility are key for the investor and adviser alike.

Our portfolios rise incrementally in risk and by making use of the asset allocations we provide for you, together with back-tested risk and performance data, you can map each portfolio to whichever risk profiling process you are using.

Offering a choice of growth, income & SRI themed portfolios with active and passive strategies, all the portfolios are backed with RSMR's unrivalled track record.

Working alongside advisers

We work with you and for the last 14 years our personal and tailored approach has set us apart from the crowd. Working in partnership with you, we reduce any concerns and deliver improvements that benefit the end investor (your client) and your business, providing:

  • More time for you to focus on growing your business and managing existing client relationships – adding to the bottom line
  • Reduced administrative costs by outsourcing responsibility for investment management decisions delivering an enhanced client service
  • Improved client proposition through access to a range of risk graded discretionary model portfolios – removing the risk of portfolio drift
  • Reduced regulatory risks with the RSMR research team in support of your business.

Our rigorous research process

All of our portfolios are constructed using the same rigorous research processes that support our fund ratings and all the funds in the portfolios will be selected from our rated fund list. The process for putting together the portfolios can be summarised as follows:

 Our rigorous research process

Our approach

We know that you may already have a risk profiling and advice process in place and our portfolios have been set up to fit into your existing processes, allowing you to focus on the areas where you add most value, and using us to complement your skills in the others.

 Our approach

Research indicates that the elements where clients believe advisers add most value are fact finding, identifying client needs and goals, assessing the clients' appetite for risk and the ongoing service and support (coloured blue on the diagram above).

The other parts of the advice process (coloured green) take time and expertise with many advisers taking the decision to use specialist resources to help, freeing time for them to focus their skills on the discussion with the client and generating fee income.

Asset allocation

The asset allocation has been put together with a number of aims in mind. Firstly, we've developed a variety of portfolio options to meet the varied needs of your clients.

Secondly, we recognise that most advisers encourage their clients to take a long term view and to avoid a reaction to each and every change in market direction. We've therefore focused on taking a strategic approach with each portfolio, with our eye firmly on the 3-5 year time horizon. We will have shorter term tactical views, but these will be expressed through the funds that we choose. In our experience, this approach provides the most suitable investment process for the majority of clients and avoids unnecessarily high portfolio turnover.

Thirdly, we have assumed that outside the lower end of the risk scale, investors would be 100% invested in cash, and outside the higher end they would be 100% invested in higher risk and less diversified investment strategies.

Performance reporting and support

Fund switches and portfolio rebalancing will take place automatically and you will also have the opportunity to utilise your platform of choice. We will also formally review and report on the portfolios on a quarterly basis.

We will look not just at the underlying funds, but also at the portfolios as a whole, and how they have performed (both in terms of return and risk) in comparison to the benchmark.

Detailed portfolio factsheets are available to support the portfolios, plus our reporting and quarterly newsletters for investors.

Contact us for more details on 01535 656 555 or enquiries@rsmgroup.co.uk

Important Notice

This is intended for investment professionals and should not be relied upon by private investors or any other persons.  Past performance is not a guide to future performance.  The value of investments and any income from them can fall as well as rise, is not guaranteed and your clients may get back less that they invest.

RSMR Portfolio Services Limited is a limited company registered in England and Wales under Company number 07137872. Registered office at Number 20, Ryefield Business Park, Belton Road, Silsden
BD20 0EE.

RSMR Portfolio Services Limited is authorised and regulated by the Financial Conduct Authority under number 788854.

©RSMR 2018.  RSMR is a registered Trademark.