We have the experience and solutions to meet your needs.

We believe in ‘evidence based’ investing built on firm research and positive behaviours. No ‘one strategy’ is best all of the time, it’s consistency over time that has been proven to work. By focussing on what we can control such as risks, reducing costs, and avoiding emotional behaviours, your investment experience will be more positive and rewarding.

Managed Portfolio Solutions

Investments from £25,000

Exceptional personal service | Competitive fees | Active & Passive management

 

Carefully chosen for you

With a choice of active, passive or blended strategies, our model portfolio solutions have a range of risk profiles, are low cost, have rigorous risk management, and regular rebalancing; leaving you to enjoy what’s important in life.

Sustainable Strategies

For clients who want to know that their money is invested responsibly, our sustainable fund options cover the full ESG spectrum, and are multi-asset portfolios with a risk profile to suit most investors.

  • With several portfolios including income, we can ensure you get the right fit, whatever your goals.

  • The understanding of risk and the way it is expressed and implemented in a portfolio is vital to successful investing. Risk has to be managed, not avoided, and all portfolios are risk rated with Defaqto, independently for accuracy, ensuring there’s no surprosies.

  • Typical management fees are 0.22% per annum, coupled with platform charges of 0.30%. This means more money and higher returns!

  • Our MPS fund range is designed for every stage of life and can sit within a pension, a company or trust, or held individually.

    Being independent we also have other solutions for clients who want capital protection or more specific needs. Contact us to find out more.

Private Client Discretionary Managed Service

Investments from £500,000

Exceptional personal service | A strategy tailored to you | Competitive fees | Lombard lending

 

Managed by the experts

Here, we work with an investment manager from a reputable investment firm who will use their professional knowledge and experience to invest your money in an individual portfolio of investments, carefully chosen to match your objectives.

  • Your portfolio can be specifically tailored to your unique circumstances. Whether this is for tax purposes, ethical or personal diversification, your DFM manager will establish and review this with us to ensure it’s meeting your personal requirements.

  • We use carefully selected investment partners who are benchmarked against their peers for service level, staff quality, investment range, and reporting. We take it seriously.

  • Your DFM will build an investment portfolio matching your risk profile and individual objectives. The investment manager is responsible for the investment and has a centralised research working with them them, ensuring the best decisions are made.

  • The investment manager looks after the stocks, we look after your financial plan. We will continue to be your trusted adviser, who know your family and support your wider goals. The combination of expertise should serve you perfectly.

6 steps for improving investment returns

  • 1. Asset allocation

    Asset allocation is the key framework of an investment portfolio. It’s responsible for the vast majority of returns as well as the volatility. Knowing what asset allocation you should have depends on a number of factors including how much risk you wish to take and time frame.

    We use Defaqto’s risk tool which is a starting point for assessing risk and gives you confidence and certainty that you’re in the right place.

  • 2. Diversification

    We don’t have a crystal ball so diversification is crucial. Diversification ensures that you’re not over exposed to a certain stock, geographical area or sector. All our portfolios are well-diversified to ensure we reduce risk and smooth out returns.

    We only use well-established managed portfolios and discretionary fund management that ensures you achieve this.

  • 3. Keep costs down

    Keeping costs down is important, especially for lower risk investors where reduction of returns has a greater effect. Both the funds we use and our own fees are highly competitive to ensure your returns are maximised. We use MIFID II level fee disclosure so costs are as transparent as they can be.

    Watch out! Many companies on the island don’t fully disclose all charges as its a FCA UK requirement. But the charges are still there, hidden. We have to ask several times so we feel for consumers. Keep asking until you get the full response or contact us and we will tell you.

  • 4. Experience counts

    Experience counts and we only use well-known, experienced investment companies.

    We only use reputable, financially strong companies with a track record for doing things right. Some of the companies we use have been in existence for 200 years so they know a thing or two about investments.

  • 5. Positive emotional response

    Money is emotional. Have you ever had a card declined in a shop (even when you have money in the bank) - how did you feel?

    We are passionate about behavioural finance and our relationship with money, which stems through childhood as well inner chimp reactions. Part of our role is to help clients understand their personal relationship with money.

    Once we understand more about this we can avoid making emotionally led mistakes when investing.

  • 6. Sleep is important

    Sleeping at night is important! Only invest in what you understand and are comfortable with.

    If your finances are keeping you awake at night, from debt, to stock markets, to simply not knowing what to do, please contact us and we can sit down and talk it through for free.

  • Did you know?

    Warren Buffet made 90% of his wealth after the age of 60. This demonstrates the power of compounding , consistency of returns and time in the market (with a pinch of luck).

    By following the main points here you will set yourself on as good a path as any for fuelling your life’s goals. We would be delighted to join you on your journey to success.

Defaqto Star Ratings - based on facts, not opinion

With so many financial products available, finding the right one can be challenging. It can also be difficult to understand the details and the differences between products, in amongst all the jargon and small print used in the documents and policies.

Even if you did read all the details, how would you compare them? How would you know what’s important and what’s not? And would you have the time to do it?

Defaqto research and analyse the terms and conditions for every product on the market. They rate them on a scale of 1 to 5 based on the quality and comprehensiveness of the features and benefits they provide. 

A 1 Star Rating indicates a basic product, with a low level of features and benefits, while a 5 Star product provides one of the highest quality offerings in the market. 

Blue Square use Defaqto to risk assess every investment fund that we recommend to cleints so we have the confidence to recommend them to our customers. We like to spend our time with our clients, understanding them and enabling them to achieve their goals. By working with Defaqto we can do this with certainty.