Our relationship with intermediaries

When people consult a professional adviser, it’s usually for good reasons. After all, major life decisions like choosing a pension, buying a house or making an investment are not easy. There are many choices available and making the right choice needs experience. A financial adviser can bring this experience and help with those major financial decisions, from starting a business to raising a family, from planning for retirement to improving tax efficiency. But when it comes to investing, financial advisers often themselves look to specialist partners with the relevant skills and experience to help their clients make the most from their money.

This is where Mole Valley Asset Management (MVAM) comes in. Investing is what we do and what we love to do. Our team of investment professionals has many years of experience working in financial markets and managing client money. Financial advisers have quickly become important partners with a significant number of MVAM clients having been introduced by professional advisers. We focus on what we do best, investment, leaving you free to focus on their clients’ broader wealth and retirement planning objectives. You stay in control of the client relationship, and we send you regular monthly and bi-annual reports on your clients’ performance.

Bespoke portfolio management

We build bespoke portfolios of securities based on the individual profiles of the client, their attitude to risk, their capacity for loss, their investment time horizon and their future needs for income and/or capital.

One of our dedicated portfolio managers will agree on an appropriate strategy with you and your client, constructing a portfolio of investments to meet those requirements. Each client is assigned a risk category (High Risk, Adventurous or Moderate) which will help determine the level of risk that the portfolio manager can take and the type of investments that can be made in that portfolio.

Investments are focused on both UK and European listed securities, including equities, and bonds. Diversification is achieved through the different underlying characteristics of the securities we invest in rather than having a large number of holdings. The portfolio is therefore likely to demonstrate short term volatility higher than the industry norm. We see this as an imperative if your client is to be able to achieve consistent medium and long-term performance ahead of benchmarks.

Model portfolios

In addition to our bespoke portfolios, we do offer structured portfolios:

  • AIM IHT Model Portfolio consists of a focused list of 20 AIM listed securities picked by the team. The portfolio is focused on strong, profitable companies with a successful track record, valued at between £100m and £1bn. Whilst there are never any guarantees, we would expect that investments within the portfolio will be exempt from inheritance tax if held for at least two years. 
  • The Premium Dividend Portfolio consists of 25 companies from the UK and Europe and is designed to give a steady and growing stream of income. The companies we invest in demonstrate an ability to pay a consistent, growing dividend throughout the business cycle. We employ ‘layers of confidence’ with a specific focus on the balance sheet, prudent accounting principles and the quality of the income streams, to ensure consistency and repeatability over the long-term.
  • Yorkshire T20 Portfolio will only invest in 20 Yorkshire based listed companies, in line with our firm commitment to local community-based asset management.   The locally based team at Mole Valley Asset Management has the knowledge and experience to understand these companies, identify the changing trends and to select the Top 20 Yorkshire listed companies for the portfolio.
  • Make The World Better Portfolio is built on the key targets that underpin the UN Sustainable Development Goals with the aim of ‘improving health and education, reducing inequality, and spurring economic growth – all while tackling climate change and working to preserve our oceans and forests’.  We recognize that whilst our clients quite rightly expect a financial return from their investments, it doesn’t have to be at the expense of our environment or detrimental to our society.
  • Fixed Income Portfolio is for people who are unsure of what to do with their savings. You don’t need them now and you feel that you shouldn’t spend them. Investing them in risky options has its appeal but you aren’t sure you will be able to sleep through the downtimes. So, if you just need some peace of mind that your money won’t disappear in the hard times and at least make some return in the good, this is the portfolio for you. 
  • Rain or Shine Portfolio invests in four assets classes: equity, bonds, precious metals and cash.  The allocation to each asset class is determined at inception and rebalanced annually or if one asset class reaches a defined level. Each asset class has a clearly defined investment process, to ensure a consistent and persistent portfolio construction strategy.

Our commitment to you

MVAM believes it’s important for all its advisers to feel connected to its portfolio management team. So, we commit to making our team available for face to face meetings with you and your clients if you wish, on a regular basis.

Informing clients on how the portfolio is performing is a crucial part of our philosophy and we will do this by sending monthly reports to investors and their advisers and a more detailed report every six months. In addition, individual portfolios and their performance are available to both clients and their advisers online or via an app which can be downloaded onto tablets and smartphones.

Finally, MVAM provides all its clients with annual income and capital gains tax reports where required.

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