Presented by Andrew Boyett-Camp

Friday 16th June 2010

PORTFOLIO MANAGEMENT SERVICE

Introduction

Ask yourself some questions Our overall objectives The investment process Managing risk Other independent specialists Everything under one roof Regular reviews Cost effectiveness

Ask yourself….

1. Do you know the total value of your investments today?

2. Do you know what your current asset allocation is overall?

3. Do you know your ideal overall asset allocation?

4. Do you know how much tax you pay on your investments?

5. Are you confident your money is invested in the most tax efficient way?

6. Do you know the charges you pay on your investments?

7. Do you have a clear understanding of your financial goals?

8. Do you know the total return on your investments over the last year?

9. Do you know how your investments are doing against your goals on an ongoing basis?

10. If you could answer yes to all of these questions, do you think it’s more likely you’d meet your financial goals in the longer term?

Introducing our service to you

1. Making your money work harder.

2. Monitoring performance regularly.

3. Monitoring risk regularly.

4. Making your life easier by providing peace of mind.

The basics…

Managing risk.

Plenty to consider when spreading risk.

It’s not all about us either…

Established and highly respected independent experts are engaged throughout the advisory process.

They are also utilised on an ongoing basis in the reviewing and monitoring of your funds.

There is no substitute to ‘knowing your client’ and that’s where our ability to fine-tune every aspect of your portfolio is somewhat unique.

Everything under one independently managed roof.

Who knows what’s next?

Lifestyle planning is important. It is ALWAYS about continuously managing Risk

• There is a well recognised trade off between risk and reward in the longer term

• When you first start saving you may be prepared to take more risks with your money

• As family and other commitments grow, your attitude may change

• As retirement nears, you may want to reduce your risk exposure for greater security

A suitable and evolving risk management strategy should underpin all investment decision making.

The effect of time (example

only).

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Equi-tiesBonds

•Your asset allocation reflects your attitude to risk and financial goals•Assume your stocks perform better than bonds•Over time this may mean 75% of the value of your portfolio (rather than 60%) is invested in stocks•That exposes you to a level of risk you didn’t plan to take!

Regular re-alignment and rebalancing is crucial

A better deal from us…

Expert and ongoing support for all your key investment decisions:• Tax strategy• Asset allocation strategy• Investment selection• Risk management

Discounted rates on annual management charges for a range of investment funds

Fund manager rebates passed on to you, the investor Switch freely between investments with no charge Effective reduction in charges as your portfolio grows Benefit from the flexibility of an interest earning cash

account.

Working together with you for your financial benefit.

Managing your finances as your circumstances change.

A genuine service you’ll really come to value.

• Recommendations are made as part of a bigger picture

• Tax planning, asset allocation, investment selection and risk management are built in to the process

• We identify your financial goals, and plan accordingly

• Our aim is to keep you on the right path to achieving those goals

• We aim to manage costs and make sure you are not paying too much for your portfolio

• It’s our role to keep in touch and guide you through life’s changes

• We’ll always keep your affairs private and personal data secure

The power to view and value your portfolio overall, by tax wrapper, asset class or geographically - securely online 24/7.

Making your life a whole lot easier!

Know what’s in your portfolio Be clear on your financial goals Know how you’re doing against those goals Let us do the hard work:

• We keep an eye on the market• We research regularly• We work out what changes might mean for your portfolio• We make recommendations• If you are happy, we implement quickly and efficiently• We review your portfolio regularly

We aim to ensure your portfolio is always working hard for you.

After all, that’s what you pay us for!