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SIPP Investment Management

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  • 1. Rathbone Investment Management www.rathbones.com Rathbones SIPP Investment Management A bespoke portfolio management service for SIPP investors
  • 2. Rathbone Investment Management www.rathbones.com SIPP Investment Management Page 2 Managing SIPP portfolios Our tailored approach Putting a portfolio together The investment options available through a self-invested In the first instance we complete a thorough review of a personal pension (SIPP) are opening up. client’s circumstances examining the key areas that affect how we structure and populate a suitable investment Rathbones’ SIPP investment management service is for portfolio. investors who want their SIPP proactively managed across a range of asset classes including direct equities, There are many areas for discussion, such as when fixed income, funds and alternative investments – fund an individual wants to retire and their appetite for of hedge funds and structured products – to create a investment risk. The approach to such factors may be personalised investment strategy that is designed to meet affected by the size of an existing portfolio’s assets and their individual needs and aspirations. the projected rate at which an individual will either be able to contribute further to their SIPP or to draw At Rathbones, an investor’s prime contact is the person income from the fund. responsible for managing their investments (an investment manager rather than a client relationship manager). When recommending asset allocation for a SIPP portfolio This ensures that each participant has a clearly defined prior to retirement, our investment managers are guided role as pension provider, financial adviser or investment by our proprietary Rathbones model. This model, manager. developed by Rathbones’ investment committee, relates allocation between the different asset classes to age, time Working in conjunction with an individual SIPP scheme to retirement and risk profile. As circumstances change, member’s financial adviser and the elected pension it is common to reduce the volatility of the fund by provider, we aim to construct investment portfolios increasing the weighting in bonds and cash. based on a genuine understanding of the circumstances and needs of an individual client. We recommend broad asset allocation bands which are fine-tuned according to our views on macroeconomic trends and market valuations, as well as the client’s individual profile. Rathbone Investment Management SIPP scheme member Pension Financial provider adviser
  • 3. Rathbone Investment Management www.rathbones.com SIPP Investment Management Page 3 Managing SIPPs after retirement Ethical investments Following retirement, a SIPP scheme member, in Rathbones has a long established expertise in ethical consultation with their pension adviser, has a number of investing and our specialist ethical division can options open to them. They may choose to generate incorporate ethical criteria for clients who wish to ensure income from their SIPP by buying an annuity or, through that their SIPP investments take account of their the careful management of their SIPP assets, to provide environmental, social and ethical concerns. appropriate income levels. First-class communication and administration SIPPs offer considerable flexibility in retirement as it Rathbones places great emphasis on regular is possible to use the portfolio purely to fund retirement communication with our clients and their financial income or, for those who do not need to draw income advisers. Investment managers are available to meet at from their SIPP, to allow the capital to continue our offices, at a financial or other professional adviser’s accumulating. offices, or even in the client’s home. Should a SIPP scheme member choose to take income A report containing a portfolio valuation and details of from their portfolio, we consider an asset allocation changes to investments is issued twice a year or quarterly that reflects their income requirements, appetite for on request. Ad hoc valuations are also available investment risk and desire to retain some capital within immediately on request. their SIPP to potentially pass on to the next generation. We undertake regular reviews of our clients’ financial Managing your total assets circumstances in order to keep abreast of their changing Often our investment managers may be managing other needs. Where appropriate, reviews are conducted jointly accounts for a client in addition to their SIPP and are with a client’s independent financial adviser. therefore able, in conjunction with their other advisers, to take a complete overview of the client’s entire investment portfolio. Client requirements Rathbones’ asset allocation committee Rathbones’ sector and stock allocation committee Research from and meetings with Fund manager investment analysts from 20+ City firms Meetings with the management team of companies we invest in Daily internal morning meetings and weekly transactions review Client’s individual portfolio The Rathbones’ Investment Process: our central investment process drives both our management of private client funds, including SIPP portfolios, and our award-winning range of unit trust funds.
  • 4. Rathbone Investment Management www.rathbones.com SIPP Investment Management Page 4 Investment management offices Rathbone Investment Management Limited 159 New Bond Street 5 North Pallant For further information London W1S 2UD Chichester West Sussex PO19 1TJ please contact: Tel 020 7399 0000 Tel 01243 775 373 Emily Morris Fax 020 7399 0011 Fax 01243 776 103 Marketing Director Port of Liverpool Building Charlotte House, Henry Robertson Pier Head 2 South Charlotte Street Head of Marketing Liverpool L3 1NW Edinburgh EH2 4AW Tel 0151 236 6666 Tel 0131 247 8100 Genista Horsley Fax 0151 243 7001 Fax 0131 247 8200 Senior Marketing Manager Barclays Bank Chambers Fiennes House Tel 020 7399 0000 Queen’s Square 32 Southgate Street Bowness Cumbria LA23 3BY Winchester Hampshire SO23 9EH www.rathbones.com Tel 01539 442 141 Tel 01962 857 000 marketing@rathbones.com Fax 01539 447 255 Fax 01962 857 001 Prince House, Prince Street Rathbone Greenbank Investments Bristol BS1 4PS (Specialist ethical investment service) Tel 0117 929 1919 Prince House, Prince Street Fax 0117 929 1939 Bristol BS1 4PS Tel 0117 930 3000 West Wing, Freemasons Hall Fax 0117 929 1939 Bateman Street www.rathbonegreenbank.com Cambridge CB2 1NA Tel 01223 345 370 Fax 01223 307 500 This document is published by Rathbone Investment Management as a service and does not constitute a solicitation, nor a personal recommendation for the purchase or sale of any investment; investments or investment services referred to may not be suitable for all investors. No consideration has been given to the particular investment objectives, financial situations or particular needs of any recipient and nothing in this publication should be regarding to constitute advice. This brochure is produced in connection with the investment management services of Rathbones. Pensions advice is available on request from specialist pension advisers at Rathbone Pension & Advisory Services. Rathbone Greenbank Investments is part of Rathbone Investment Management Ltd. Please request information from your investment manager. You should always take advice from appropriately qualified professionals on investments or pensions before acting. The price or value of investments, and the income derived from them, can go down as well as up and an investor may get back less than the amount invested. Rathbone Investment Management will not, by virtue of distribution of this document, be responsible to any other person for providing the protections afforded to customers or for advising on any investment. In the provision of advice regarding regulated non-life packaged products, Rathbones acts on a whole-of-market basis. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. RIM-SIPPS-05-07 321267 © 2007 Rathbone Investment Management Limited. All rights reserved. Rathbone Investment Management Limited is authorised and regulated by the Financial Services Authority. Registered office: Port of Liverpool Building, Pier Head, Liverpool L3 1NW. Registered in England No. 1448919