The key is to ensure that, from the outset, every client has a realistic idea as to what they can expect from TAM. Therefore, before your client signs up to our service, you must ensure that you have established an accurate investment objective with them. This will form the cornerstone of how TAM manage their assets. We understand that as time goes on your clients’ personal circumstances or investment horizons may change, so we suggest that all clients’ investment objectives are continually reviewed. This will ensure that any changes are noted immediately, so that their portfolio can be re-evaluated to ensure it remains aligned to their current circumstances.

Asset allocation is a medium to long-term process designed to capture more macro-economic determined events through investing in asset classes that we expect to appreciate and withdrawing from those we expect to decline. Our investment team attempts to ensure that the asset allocation of the portfolio between the various asset classes is continually managed according to the changing economic cycles and financial markets. However, this process is always managed in accordance with the investment mandate and corresponding risk profile. During certain phases of the economic cycle, asset allocation is the most effective method of maintaining the performance of portfolios.

Each portfolio is individually benchmarked in accordance with risk profiling and is monitored and reviewed by our investment managers on an on-going basis. Each individual fund is also checked for any style shift within the strategy employed to ensure that the continued management is in line with our expectations. We also continually monitor for any deviation from performance expectation against peer group and within strategy to ensure, as far as possible, that the underlying managers do not take actions that may impinge upon their ability to generate on-going satisfactory returns. A more formal review is also regularly undertaken by our investment management team in London.

We understand that clients require a global perspective when investing. This ensures the broadest opportunity set to identify investments we believe will perform well in every economic environment. Building a diversified portfolio is an important aspect of our risk management process and ensures clients enjoy the benefits of rising markets and importantly protection for their portfolio during times of market volatility. Our portfolios are diversified by asset class, geographic region, strategy and fund manager. For more information about our diversified investment management strategy, just click here.

Our industry research has shown that in some providers’ pursuits of delivering value for money, many clients are exposed to an overreliance on index tracking funds as a substitute to expert fund managers. We, however, exist at the intersection between the best levels of active management for the price of a passive investment product. We achieve this by investing into some of the best and most innovative funds that the wider market has never heard of. Our goal is to move you away from a reliance on big index funds and instead source pioneering funds with unique approaches to investing. In doing this, we can often negotiate access into these funds at steep discounts on charges, which many other DFMs cannot achieve. Overlay this with a strong commitment to active management, impact and sustainability, and your portfolio is positioned at the attractive intersection of cost vs. service, delivering the highest possible service and performance for the lowest possible charges.