The MAC Financial Investment Process takes care to ensure that your investment portfolio matches your real-world risk/reward profile and we undertake thorough research into the underlying investments on an ongoing basis.
Investment
Personal Financial Investment
Investments are the most misunderstood aspect, yet form the majority, of the financial planning world. The noise of information on different types of investment opportunities that can be bought or sold, taxed or untaxed, instant access or fixed term often leads to confusion, which in itself leads to poor decision making and potential underperformance or loss of money.
MAC Financials Investment Process is defined by its outcomes. These can be summarised as follows – all clients require a Short, Medium and Long term strategy to their Investment planning. So, the products available are selected based on the individual client requirement. If it doesn’t fit their strategy then the investment is not used.
What variables are considered in the advice process?
- Clients attitude to risk and capacity for loss
- Client and investment product taxation
- Investment flexibility required
- Investment control (fund selection)
- Investment term and potential return
- Ethical and Sustainability views
- Religious beliefs
MAC Financials Investment Process takes time at the beginning assessing our client’s needs and objectives through profiling, questioning and focused discussion. When providing investment advice, the clients ‘Risk Profile’ is a primary factor in choosing not only the type of investment product, but the portfolio of funds within it and where it fits into our client’s strategy. We take care to also manage expectation on investment return. This profiling can be product specific or related to the clients overall portfolio.
Commonly Used Investment Products
- Self Invested Personal Pensions (SIPPs)
- Individual Savings Accounts (ISA)
- Junior Individual Savings Accounts (JISA)
- Unit Trust & OEICs
- Regular Saving Plans
- Onshore Investment Bonds
- Offshore Investment Bonds
- School Fees Planning
- Bank & Building Society Accounts
Model Portfolios
The core of our investment process is delivered through a series of model portfolios, which suit a broad number of clients’ investment needs. These portfolios enable solid core investment principles to be applied across all client profiles. These can still enable bespoke portfolios to be created to reflect an individual client’s personal wishes.
The net outcome is that you will not need to take unexpected, last-minute action to keep your portfolio on track. If any activity is required you will already know what is going to done, before it happens. We aim to deliver this and thus provide you with the reassurance you came to us for in the first place.
Discretionary Fund Management
Some of our MAC Club Members also require a more bespoke and active investment process. MAC Financial has partnered with a number of Discretionary Fund Management Groups who work with us to deliver not only an actively managed investment portfolio, but something that can be tailored to a specific outcome.
Corporate Financial Investment
There are many reasons why corporate entities should make investments, such as:
- Sheltering monies from taxation (Corporation Tax)
- Increasing returns on Cash deposits
- Regular savings
- Improving the balance sheet of the business through investment planning
- Exit strategy planning for directors
- Profit protection
At MAC Financial we recognise that like individuals, all businesses require a Short, Medium and Long term strategy for their corporate investment planning, and the requirements of the business are paramount.
Given we can offer everything from guaranteed returns to aggressive market investments, it’s key that we gather information and understand your strategy, in order to provide you with a product that suits your needs.
- Onshore Investment
- Offshore Investment
- Discretionary Fund Management
- Bank & Building Society Accounts
- Regular Savings Plans
It is important to remember that with Corporate investment, these decisions can take time to agree and this is part of the reason why the Corporate MAC Club Membership has a regular quarterly meeting as part of its core service offering. This provides a focused forum for Investment discussion and decision making.
Would you like to benefit from a FREE Investment strategy review? Please contact us for more details: info@macfinancial.co.uk
Note: The value of your investment and any income from it may not be guaranteed and may go down as well as up depending on the type of investment product used and its future performance (and currency exchange rate changes where a fund invests overseas). You may not get back the original amount you invested.