Your capital is at risk. The value of investments and the income from them are not guaranteed and can go down as well as up, and so you could get back less than you invest. Past performance is no guarantee of future returns. If in doubt, you should obtain relevant and specific professional advice before making an investment decision.
The way investments are weighted among different types of asset classes in a portfolio – whether shares, bonds, cash – is widely agreed to be the biggest determinant of long-term investment performance. Our strategy therefore is to create diverse, multi-asset class portfolios and we place significant emphasis on continually monitoring the global financial markets and adjusting asset allocations dynamically.
Strategic and Tactical
Our asset allocation approach is thorough and strategic. We reference over 20 years of underlying asset class risk/return data across a broad range of investment classes, sectors and regions in our decision-making process. Using this approach, we aim to optimise the expected return for a set level of risk over the medium to long term.
In the short term, there will always be significant market opportunities we can look to take advantage of and pitfalls that we can try to avoid. Taking this into consideration, we use a tactical asset allocation overlay in order to capture these shorter-term market trends and react accordingly.
Risk and Reward
We understand that managing risk is key. Indeed, for the vast majority of our clients, the mitigation of risk is as important an objective as the maximisation of returns.
To address this need, we employ the following tactics:
Monitor market and asset volatility using risk analysis, rigorous back-testing and sophisticated software tools
All portfolios are monitored on an ongoing basis to ensure the agreed risk profiles are maintained over time
Our portfolios may allocate some high yielding listed bonds which are designed to provide a high fixed return, regardless of market volatility.
Our investment portfolios are designed around you, dependant on your investment aspirations, priorities and particularly your appetite for risk and reward. We’re committed to delivering our investment services on a highly personal basis and our portfolio offering is designed with this in mind..
Core Total Return Portfolios
Our risk-rated offering for investors with time horizons of five years and over. These portfolios are built around our core philosophies of active management, enhancing yield, staying fully invested and maintaining diversification.
Risk rated portfolios for those who want their money to grow over the longer term through an intelligently packaged portfolio with minimal tactical interventions.
This service offering is for people who have a portfolio of greater than £125,000, with specific investment objectives. If you opt for this portfolio, a wealth manager will work with you to design a portfolio tailored to your needs.
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Choosing what type of ISA to invest in and with which company was quite confusing. I wanted to earn better returns than a standard cash ISA would pay and after speaking to InterestMe I felt confident that investing in one of their risk rated portfolios will achieve my goals.
They explained everything in a very straight-forward, jargon-free way. I’d defnitely recommend InterestMe to anyone as the service I’ve received has been excellent.