Why using Copia Governed Portfolios should be a key part of your investment strategy

March 2022
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Your investment strategy – particularly the strategy underpinning your pension fund – is the cornerstone of your financial plan. It’s important to put an investment plan together that you’re comfortable with, matches your needs, and is designed to fulfil your objectives.
One increasingly popular way of doing this is by appointing a discretionary fund manager (DFM) to make decisions about your investments on your behalf.
In this article, find out about the benefits of using a DFM, including how they can save you time and money, and help you grow the value of your investments.
You’ll also find out about our own discretionary proposition, designed and managed for us by Copia Capital Management.

A discretionary fund manager will build a bespoke portfolio for you
Discretionary fund management is often described as a “tripartite relationship”.

The three participants in the partnership managing your investments are you, ourselves as your adviser, and the discretionary fund manager. 

When it comes to discretionary management, there’s a clue in the name. You’re appointing an investment expert, backed by an extensive team of researchers and analysts, to make decisions at their discretion – rather than have to go through the time-consuming process of running every investment decision by you, and us, first. 

Instead of using an “off-the-shelf” investment solution, by working directly with the fund manager you can ensure that your investment portfolio is bespoke – designed specifically for you and to meet your investment needs. 

Assessing your attitude to investment is key
At the start of your investment journey, we’ll spend time deciding exactly what your portfolio should consist of. We’ll also conduct an in-depth analysis of the best way to meet your needs. 

This will be based on a series of different criteria. These will include:

  • Your capacity for investment loss. In other words, the amount of short-term loss you are comfortable with as part of a wider strategy to grow your investments in the long term.
  • Your attitude to investment risk. This will be a key factor in deciding how your money is invested. If you’re risk-averse, your portfolio will be designed differently than if you’re prepared to accept a high amount of risk. 
  • The length of term you are investing for – often referred to as your “investment horizon”. 

By working with a discretionary fund manager, you can ensure that you’ll get the most appropriate investment solution to meet your needs based on your preferences around risk and capacity for loss. 

Choosing the right discretionary partner for our clients
When we were looking for a discretionary investment manager to work with, we conducted a thorough due diligence process before selecting Copia Capital Management as our investment partner. 
In 2021, they were awarded the “Best Value for Money” DFM in the prestigious Citywire Awards. More recently, Corporate Vision magazine named Copia’s managing director, Robert Vaudry, the “most outstanding leader in investment management 2022 in the UK”.

Copia Governed Portfolios are designed to meet your investment needs 
As a client of LEBC, you have unique access to a series of investment portfolios Copia have designed specifically for our clients. 

At the outset, our internal investment committee set out our requirements in terms of the funds we wanted, the objectives of each fund, and the mix of asset classes. 

Copia then put together the funds – known as “Governed Portfolios” – using different risk profiles and time frames so you can be sure that there’s a portfolio that will match your needs.
Our investment committee will then work with Copia fund managers to review your portfolio on a quarterly basis. The reviews will consider factors such as:

  • Investment trends over different timescales
  • Detailed market analysis
  • The impact of external events. 

This means that the portfolios can be continually adjusted and the holdings within your fund rebalanced to meet your objectives.

5 benefits of using our Governed Portfolios
There are five big benefits of giving authority to a DFM to manage your investments by using our Governed Portfolios:

  1. You’ll access an investment solution that matches your needs and will be adjusted as necessary to ensure it continues to fulfil those objectives.
  2. By delegating the time commitment and research required to manage your own investments, you’re also giving yourself the peace of mind that comes from having an investment expert manage your money.
  3. Changes can be made to your portfolio in response to market conditions without you having to give your authority or complete any time-consuming paperwork.
  4. The investment proposition removes the requirement for you to initiate an individual advice review or complete forms every time the investments require a change in response to changing economic conditions.
  5. You’ll benefit from a cost-effective pricing structure, reducing charges to a minimum and allowing more of your money to stay invested.

As well as benefiting from a bespoke investment service, you can monitor your investments through our user-friendly online client portal too. This means that you’ll get access to view updated performance in a secure online environment, as well as being able to see any changes made to your portfolio.

Get in touch
To find out more about discretionary fund management and the Copia Governed Portfolios, please get in touch. Email clientenquiries@lebc-group.com or call us on 0800 055 6585.

The value of investments and income from them may go down as well as up. You may not get back the original amount invested. Past performance is not indicative of future performance.

The information contained in this article is based on the opinion of LEBC Group Ltd and does not constitute financial advice or a recommendation to any investment or retirement strategy, you should seek independent financial advice before embarking on any course of action.

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