During the past 50 years, we’ve come to understand that no two investors are alike. That’s why we listen closely to your reasons for investing, paying particular attention to your personal financial aims, priorities and concerns. Only when we fully know and understand your requirements will we start to develop a portfolio of investments to suit your individual circumstances.
How we advise you will depend on several factors. Whether, for example, you want an income from your investments, or whether you are aiming for long-term growth, or perhaps you want a combination of the two. We will also consider other factors such as your time horizon, as well as your other assets and taxation position.
We can incorporate a wide range of tax-efficient vehicles within your portfolio, such as a general investment account, ISAs, on and offshore bonds, family trusts, and pensions.
Whilst collective investment options and off-the-shelf products may suit the needs of some investors, those with portfolios in excess of £100,000 require a more sophisticated and tailored approach to maximise returns.
If you sign up to our discretionary management service, we will actively manage your investment portfolio in-line with your personal objectives. We will make all the relevant investment decisions and carry out all of the necessary paperwork on your behalf, so that you are free to concentrate on what’s important to you.
Managing an investment portfolio with the care and professionalism it deserves is extremely demanding. The speed of economic and political change, combined with an ever-increasing range of news sources, makes it extremely difficult for private investors to stay informed and interpret how their investments are affected. Consider, too, that the administration and paperwork associated with running a suitably diversified portfolio can be time-consuming, and any errors or delay in administration can be costly.
We are able to do this effectively on your behalf because, from the outset, we take the time to understand you and your investment requirements, as well as your attitude to risk. During our initial meetings we will discuss the full range of asset classes available to you and suggest how we would tailor your very own bespoke portfolio to best meet your investment aims and attitude to risk. This information is used to provide you with your own bespoke investment portfolio.
Once we agree on an approach that meets your objectives, we’ll use these parameters as the basis for day-to-day investment decisions, which are taken on your behalf. We will also review these parameters and recommendations regularly to ensure that your investments remain appropriate to your requirements. Should change be required, we can adapt the structure of your portfolio so that it remains in-line with these changing requirements.
At BRI, we understand that some clients prefer to remain in control of the day-to-day investment decisions concerning their portfolios, but choose to leave the time-consuming administration and paperwork to someone else.
That’s why, as an Advisory client, your BRI advisor will contact you regularly to discuss individual investment ideas, and possible changes to portfolio construction. We will make no changes to your portfolio without your express agreement. Should you have investment ideas of your own, we would be pleased to discuss them with you in advance of us making a transaction on your behalf.
The day-to-day administration of your portfolio would be taken care of by BRI, leaving you free to focus on what is important to you.
Our Personal Portfolio Service (PPS) is designed for clients where a fully bespoke service may not be necessary or cost-effective, for example, where clients do not require bespoke capital gains or income tax planning.
The PPS is available within a number of tax-efficient wrappers, such as ISAs, SIPPS and offshore bonds, as well as general investment accounts. It offers six core risk-rated portfolios, ranging from Cautious to Speculative which have been designed to capture the individual requirements you may have.
Administration of this service is provided through our partnership with Standard Life, and your investments can be viewed using Standard Life’s online platform.
More information about this service can be found here:
Personal Portfolio Service
Standard Life Terms & Conditions
If you would like to speak to a member of our Personal Portfolio Service Team, please call 01676 523 550 or email PPS@brigroup.co.uk.
Individual Savings Account (ISA)
At BRI we don’t regard ISAs as a separate product, but rather as an integral part of your overall portfolio. ISAs are a useful tax-efficient wrapper in which to hold your chosen investments. You may have accumulated several ISAs across a variety of different managers and may now find the task of managing them increasingly time consuming and challenging. There may no longer be a cohesive asset allocation strategy in place, or you may find it difficult to establish your overall portfolio value at any given point due to variations in valuation dates.
We can help you consolidate these investments into just one account with the BRI ISA. As well as making life easier for you, it will also ensure your portfolio is both actively managed and appropriately diversified.
Another key advantage of the BRI ISA is its competitive pricing structure. We’re able to transfer your existing ISA portfolio, either In-Specie or in cash. And, once you’ve moved your ISAs to us, your investments will be summarised in just one report, making it simpler and easier for you to stay informed about your investments and also reduce the amount of paperwork you receive.
Pensions have become increasingly complicated with a raft of new legislation being introduced over recent years. The majority of these changes have been positive for investors with pensions now being one of the most tax-efficient arrangements available to assist with individuals’ planning, both in their lifetime and upon death. At BRI we provide advice around all aspects of pension and retirement planning covering both personal and employer arrangements.
Inheritance Tax Planning
Many more estates are being subject to inheritance tax even at relatively modest levels, especially as house prices continue to rise. BRI will work alongside or recommend other suitable professionals, such as solicitors and accountants, to ensure that your affairs are organised efficiently whilst continuing to meet your requirements for income and capital in later life. We have access to several solutions that will allow you access to both capital and/or income, whilst providing inheritance tax advantages. These include investments that qualify for business relief, a full range of trusts and enterprise investment schemes.
Tax Relieved Investments
BRI advises clients on how to organise their affairs in the most tax-efficient manner. As part of this strategy we advise on, and have access to, a full range of tax-relieved investments including ISAs, pensions, investments qualifying for business relief, enterprise investment schemes and venture capital trusts.