INVESTMENT MANAGEMENT
How we manage your money
When you trust us with your hard-earned money, you can rest assured that it is being handled in the safest way possible.
To start with, Tideway never directly holds client money. AJ Bell is our carefully chosen custodian in the majority of cases; they in turn have a raft of failsafes and protections in place to protect your funds. They provide clearing, settlement, and safe custody for our clients’ assets.
You can learn more about our approach to investing here. On this page, we’ll cover some of the more practical aspects of how we manage your money.
Our model portfolios
and performance
Our suite of model portfolios has been carefully constructed to achieve inflation-beating returns in exchange for the lowest risk possible.
Each portfolio is constructed to target a specific objective. Our wealth managers will use these portfolios to construct a personalised investment plan for you, based on your financial goals, tolerance for risk, and specific circumstances.
Tideway’s portfolios are governed by our Investment Committee and supported by detailed research and due diligence processes.
Click the button below to browse our latest portfolio factsheets and performance figures.
How we select funds and allocate assets
Our internal Investment Committee meets at least quarterly to agree asset allocation and are responsible for all material portfolio changes. The Committee is made up of a blend of relevant senior Tideway staff and an external representative from TS Lombard, our third-party research provider who add specialist knowledge to the panel.
We have a robust process in place when it comes to fund selection. Among other considerations, we will look in depth at:
- The team and investment manager structure
- Capacity and liquidity
- Their investment process and philosophy
- The portfolio itself – focus on valuations and fundamentals
- The fund’s performance
- Costs and charges
After stress-testing and conducting scenario analysis, the funds are approved and allocation determined. We are often able to negotiate preferential rates for clients, which helps to keep base costs down.
Ongoing, our Investment Management Team monitors the funds’ performance daily.
How we manage investment risk
When investing, there will always be a level of risk involved. However, most popularly available funds or off-the-shelf portfolios (particularly among DIY investors) are pitched at a level of risk which is disproportionate to what is necessary to achieve the returns you need.
In brief, we tend to favour an approach which de-emphasises exposure to expensive equities and focuses instead on fixed income and value funds. We won’t chase the newest fad or ‘bet the ranch’ on speculative assets – a measured approach is the name of the game for us.
learn more about how we manage risk, take a look at our Investment Philosophy.
How we report to clients
We value clarity and transparency here at Tideway. It seems a no-brainer to us that you should be able to have full visibility over your portfolio performance, so that’s what we deliver.
Our client portal (available online and via app) allows you to see your assets in real time, with valuations updated daily. The portal is fully encrypted, making it a safe and secure means of storing and transferring information with us digitally.
Inside the client portal you can also:
- Add your other assets and liabilities held elsewhere, so that you can see all your wealth in one place
- Update the details that we hold for you (health, objectives, contact details, and so on)
- Securely upload and store relevant documents
- See your meeting notes from your annual review with your wealth manager
- Contact your adviser securely and directly
In addition to the client portal, we also provide quarterly reports on the performance of your portfolio. These allow you to assess the performance of your portfolio against an appropriate benchmark and measure the growth of your funds.
A wealth management plan is the key to plain sailing finances
You wouldn’t set off on a journey without at least consulting a map and checking you have enough fuel. So why would you treat your financial goals and needs that way? And why leave your quality of life in retirement to chance?
Whatever your needs are or situation is, we’re confident there’s a strategy to help. Follow the button below to learn more about how wealth management could benefit you.