TJM can help you enhance performance, develop client relationships and to reduce your workload and risk.

Wealth Managers and IFAs

TJM’s fast growth in its early years was a direct result of financial advisers choosing to partner with us to take advantage of our market expertise. We’ve further developed our service to ensure IFAs have an effective outsourced investment management solution for their clients’ portfolios, whilst ensuring they remain engaged with our investment team.

As a valued adviser, you retain and manage your client relationships and develop the financial planning strategy, whilst we focus on managing your clients’ portfolio.  

Our intermediary services are headed by highly experienced investment managers, supported by our investment committee and dealing team. Your clients can invest direct, via their SIPPs, SSAS, product wrappers/platforms or ISAs.

Partner with us to access:

  • more investment opportunities
  • a suite of investment products
  • access to cost effective dealing and management
  • new issues, placements and structured products not generally available to private clients

Bespoke portfolios can be designed for your clients around five core strategies:

Ultra Cautious

The client’s main objective is the preservation of their capital investment. Only the lowest risk products such as Cash/Cash products, AAA-rated Bonds/Bond Funds (Fixed Interest) and Gilts (Government Stock) aimed at income generation would be recommended and we would strongly advise against any equity-based investments. The client should be aware that it is still possible for their investments to fall in value and result in capital losses. Any returns the client does make are likely to be modest in order to minimise risk. 0% of the portfolio would be exposed to Equities.

(All asset allocations are indicative estimations and are intended only as a guideline).

Cautious

The client’s main aim is to achieve a reasonable return, but they are willing to mitigate these returns in order to preserve more of their capital from fluctuations in the Markets. The client is likely to have little or no experience in taking investment risk. However they should accept that there is a slightly higher level of risk necessary in this strategy in order to achieve returns. We would recommend that lower risk, income generating products such as Government Securities (Gilts), AAA-rated corporate bonds and Cash Products form the bulk of the monies invested. Up to 20% of the portfolio may be invested in higher risk equities.

(All asset allocations are indicative estimations and are intended only as a guideline).

Balanced

The client would like to achieve greater returns through their capital investment, but in such a way that only partially exposes some of their capital to higher risk investments. The client is likely to have some experience in taking investment risk and understands that the value of their portfolio is subject to high movements both up and down. We would recommend that the portfolio should be made up of shareholdings from across the risk spectrum which incorporate a mix of quality companies (blue chip equities) paying higher dividends as well as those which we consider may offer potential for some capital growth. Up to 50% of the portfolio may be invested in higher risk Equities.

(All asset allocations are indicative estimations and are intended only as a guideline).

Risk Aware

The client is willing to sacrifice short term financial security with the objective of long term capital growth through higher risk investments. They fully understand that in order to achieve their objective of significant long term returns they are willing to risk making potential substantial losses. Up to 80% of the portfolio may be invested in higher risk Equities.

(All asset allocations are indicative estimations and are intended only as a guideline).

Speculative

The client is an experienced investor and prepared to take on very high levels of investment risk that offer the potential to achieve exceptional capital growth returns. The opportunity to achieve these exceptional returns is the key objective, even in non-optimal market conditions and other circumstances where it might pose significant risk to some or all of the underlying capital. Up to 100% of the portfolio may be invested in higher risk Equities.

(All asset allocations are indicative estimations and are intended only as a guideline).

 

Please note: all asset allocations are indicative estimations and are intended only as a guideline.

When describing ‘Equities’, we are normally referring to quality, blue-chip shares, both in the UK and International stock markets. We may, on occasion recommend a smaller capitalised company, where we wish to invest in a particular sector or geographical area.

We also offer separate advice, where suitable, on a wide range of products which may include more exotic, high risk products, such as CFDs, Futures and Options. Such products however, would not normally be included in our bespoke investment portfolios.