Fish Investment Process


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The Fish Financial 6 stage structured investment process. An active approach to managing client investments, aligned to their attitude towards investment risk.

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Fish Investment Process

  2. 2. Our 6 Stage Structured Investment Process<br />
  3. 3. STEP 1: We start by defining your goals and objectives<br />1. DEFINE GOALS<br /><ul><li>In the initial meeting we discuss your investment aims and objectives
  4. 4. We will encourage you to consider:
  5. 5. What returns do I need to achieve?
  6. 6. How much risk do I need to take?
  7. 7. What should I invest in?
  8. 8. Who is reviewing my investments?</li></li></ul><li>STEP 2: We then devise a strategy to maximise the tax efficiency of your investments<br />2. TAX STRATEGY<br /><ul><li>We use a range of ‘tax wrappers’ (tax efficient investment products) to make sure we maximise the tax efficiency of your portfolio
  9. 9. Our Fish Portfolio Management Platform enables us to apply the same investment portfolio seamlessly across all tax wrappers - maximising overall tax efficiency</li></ul>Sample Client Portfolio<br />
  10. 10. STEP 3: We then assess your attitude towards investment risk<br />3. RISK PROFILE<br /><ul><li>We use a world-leading scientific financial risk tolerance test to understand exactly how you feel about investing and the risks involved</li></li></ul><li>STEP 4: We determine an appropriate asset allocation, as this typically drives >90% of investment returns<br />4. ASSET ALLOCATION<br /><ul><li>Research suggests strongly that asset allocation, rather than fund selection, is the primary factor driving portfolio performance
  11. 11. We construct asset allocations for our seven model portfolios with reference to leading stochastic models
  12. 12. We ensure the asset allocation is aligned to your attitude towards investment risk
  13. 13. Our portfolios are diversified geographically across equities, fixed interest, property and commodities</li></ul>Sample Client Portfolio<br />
  14. 14. STEP 5: We use ‘best of breed’ funds and investment managers in our client portfolios<br />5. FUND SELECTION<br /><ul><li>SEI, our chosen investment partner, provide daily oversight and monitoring for our equity and fixed income fund managers, through their team of over 100 analysts
  15. 15. As required, SEI seamlessly replace and appoint new mangers within your portfolio
  16. 16. We review the asset allocation for our seven portfolios on a quarterly basis, to manage risk and adapt to changing market conditions
  17. 17. Tactically we select funds and ETFs for peripheral asset classes such as property, commodities and currencies</li></li></ul><li>SEI & FISH: Accessing global investment expertise<br />Founded in 1968, SEI is a leading provider of manager-of-manager investment solutions designed to help corporations, financial institutions, financial advisers and affluent individuals create and manage wealth. SEI manages around £100 billion globally. <br />Select Investment Managers<br />Our Partnership with SEI Provides:<br /><ul><li>Access to some of the world’s best managers, not just mass market retail funds
  18. 18. A process with the rigorous objectivity to change drifting managers
  19. 19. A solution previously only available to large institutional investors
  20. 20. Continual monitoring and replacement of managers - by a dedicated global team ofmore than 100 analysts
  21. 21. An investment process designed to manage risk and deliver consistent returns
  22. 22. Access to Fiduciary Management services for Company Pension Schemes
  23. 23. Investment specialists able to fulfil Investment Advisor role to Board or Trustees</li></li></ul><li>STEP 6: Our ongoing portfolio management reviews are designed to keep our clients on track<br />6. REGULAR REVIEWS<br /><ul><li>At agreed time intervals we provide portfolio performance and financial planning reviews
  24. 24. Our Fish Portfolio Management platform enables us to manage your entire portfolio from a single website
  25. 25. Using this system, you can access your portfolio 24x7, using a secure client login</li></ul>Sample Online Account View<br />
  26. 26. IMPORTANT NOTE: <br />This guide is for information only and is not investment advice. <br />Please contact us to discuss your personal circumstances and needs.<br /> <br />Town Hall Exchange<br />Castle Street<br />Farnham <br />GU9 7ND<br />T: 084 5470 7800<br />E:<br />Authorised and Regulated by the Financial Services Authority No. 471279<br />