Case Study: Investment Portfolio Review

Background

The portfolio consisted of some UK stocks as well as a range of UK and Global unit trusts and OEICs. Fred and Irene wanted advice as to how the manage the investments with a view to maximising capital growth over the next ten years and to provide tax efficient income to support them in retirement thereafter. They were both working full-time, had more than sufficient income to meet their needs and had no liabilities.

Objectives and Planning

Having obtained full details of Fred and Irene’s position it was clear that the funds they had inherited were available for long-term investment. They each completed a risk profile questionnaire to establish a basis on which to assess their risk tolerances. Although their scores differed a little, they both fell within a Growth risk profile and following discussion it was agreed that this was appropriate for their current circumstances and objectives.

Our Investment Team reviewed the existing portfolio of assets against Fred and