Just as every client is unique, so is the service we build around them. Our wealth management specialists sit at the core of the expert team we assemble around each of our clients and are entirely focused on helping you to meet your goals. We invest heavily in understanding our clients’ expectations and priorities, so they enjoy a long and personal relationship with our teams.
Our first investment is in understanding your objectives. We take the time to get to know our clients’ circumstances, priorities and ambitions. We use our long-standing experience and expertise to choose the investment solutions best able to deliver continued prosperity, responsibly and securely.
We know that investing successfully takes time and dedication. Even with significant knowledge and experience, managing your own financial affairs can be a complicated, lengthy and laborious process. That’s why you can rely on our team of experts, with long-standing experience of advising clients, to take charge of the day-to-day decisions involved in managing your portfolio of investments.
Our partnership with our clients is always based on trust. We take the time to understand their specific circumstances and work with their existing advisers so that the management of their wealth is seamless.
We gather an experienced team around each of our clients. Together, they agree an investment approach that ensures your assets are invested in a way that balances risk and reward in order to achieve your goals.
We focus on preserving your wealth but never rely on strict models to do this. Instead our talented team use the intelligence, ideas and strategies of Schroders Group to structure your investments to meet your individual objectives.
We are always searching for the best outcomes for our clients, so we monitor each portfolio, measuring ourselves on how well we preserve and grow our clients’ wealth.
For those wishing to invest in individual stocks or bonds in addition to funds, we offer a separate segregated mandate service.
Our segregated service also allows us to screen your investments in depth, creating a strong and unique portfolio in line with your values. If you have specific ethical concerns and want to avoid particular sectors, we will design a portfolio that reflects your personal principles.
We believe that by investing responsibly and committing to social and environmental goals we can create long-term value for our clients.
With 200 years of heritage behind us, we understand the complexities of working with families spanning generations as well as jurisdictions. Many of the families we work with have been clients for generations, building deep relationships, trust and personal understanding.
Our family office service is as individual as the families we serve. We offer fully bespoke investment strategies, extensive benchmarking and access to world-class expertise from within the Schroders group and externally to ensure that fmaily wealth is preserved and grown.
With homes and business interests across the world, we understand that families may span many jurisdictions. We offer access to our extensive experience of handling wealth in a wide variety of currencies, as well as competitive foreign exchange rates.
Leaving a lasting legacy is an important concern for many clients, and our specialists can tailor a solution that suits family interests and future plans effectively and efficiently.
Spanning social and financial investments, sustainable investing covers a broad range of environmental, social and governance (ESG) topics. For many of our clients, considering ESG issues is becoming fundamental in helping them ensure that their investments shape better outcomes for society, as well as drive long-term performance.
Central to our sustainable investment approach is the understanding that those companies that can adapt and thrive in a climate of rapid social and environmental change will be more successful in growing their business. Careful consideration of material ESG issues allows us to potentially mitigate risks that could arise from these issues as well as identify opportunities. We work with an extensive team of sustainability specialists as well as proprietary tools from the Schroders Group to help us appraise the companies that we invest in.
Our sustainable investment solutions combine our tailored wealth services with the depth and breadth of expertise at Schroders and our best ideas from across the market. We work with you to understand your values and how to best reflect them in your investment strategy.
Our sustainable investment approach is set out in full in our Responsible Investment Policy.
Our advisory service provides high conviction investment ideas that are designed to benefit from both long-term changes in the market environment, as well as tactical ideas that arise from market gyrations.
Our offering is premised on delivering customised solutions, taking into account your investment objective and risk tolerance. Your dedicated relationship manager will also offer you regular updates on our best investment ideas - after taking into account your needs and requirements. Nonetheless, you will make the final decision yourself.
Our services include:
By offering clients the ability to bank with us we provide a suite of services, all focused on meeting our clients’ long-term needs and achieving their future goals. We are committed to offering every existing client the banking services they need.
From lending against investment portfolios, to cash deposits and foreign exchange - we have a variety of banking services available exclusively to clients.
The services we offer can be tailored to individual circumstances, situations and priorities. But our portfolio managers are always committed to delivering the best banking services available to meet your requirements.
The services we offer our clients are based on strong relationships and a deep understanding of individual needs.
We are committed to offering the best service to meet each client’s objectives, and that includes the most appropriate account at the most appropriate rate.
We offer currency accounts that allow instant access to funds, as well as those with competitive rates that are fixed term or require a notice period ahead of withdrawals.
We also offer a cash administration service, which can mitigate risk by spreading large sums of money across different institutions (Fiduciary Deposits) while retaining one, simple point of access.
We also offer fixed-term deposit accounts in many currencies, with durations ranging from one day to one year.
Loans secured on investments (Lombard Lending) is suited for clients with an existing investment portfolio who wish to leverage their portfolio in pursuit of higher investment returns, for diversification reasons or to bridge liquidity needs.
We understand that our clients’ requirements for cash differ over time, and that liquidating long-term investments to meet short-term needs may not be the best strategy.
Instead, we can lend funds to clients secured against a portfolio of investments held by us. Because liquidity needs can change unexpectedly, we allow our clients to pay loans back at any time with no redemption penalty.
Lombard Lending enables you to:
- Profit from short-term investment opportunities
- Enhance your returns by leveraging your portfolio
- Invest in more financial instruments to diversify the risk
- To bridge liquidity needs in a simple, cost-efficient and convenient way
- Enter into derivative contracts (e.g. options) which require a security margin
Loan rates are available on application.
Potential risks of Lombard Lending:
Market volatility, currency fluctuations or the volatility of the credit exposure related to derivatives can lead to collateral shortfalls and may cause us to ask you for additional (or the liquidation of existing) collateral.
With our clients operating on an increasingly global stage, we have evolved our service and solutions to best meet their needs. Providing access to a large variety of currencies is one of those solutions.
Beside currency at a spot rate we can also offer forward foreign exchange contracts and foreign exchange swaps.
Please contact your relationship manager for more information about this service and the current rates available.
Our portfolio management service is designed for charities with assets in excess of $1.5 million and offers:
While charities differ in their requirements, there are four broad stages to our advice:
Our portfolio management service, for charities with over $1.5 million to invest, provides a tailored investment solution capable of meeting a broad range of objectives including those looking to protect against inflation, generate income or with specific ethical requirements.
Investment strategy is at the heart of any portfolio.
We aim to identify the appropriate long-term mix of asset classes that best achieves your charity’s particular investment objectives. In doing so we consider the following factors:
Having established the appropriate strategic asset allocation, the next step is to construct the portfolio, taking into account the range of assets and the relative attraction of each asset class in the prevailing market conditions compared to others. By making short-term overweight or underweight adjustments to the strategic asset allocation in a particular asset class or market, it is possible to take advantage of expected variations in asset performance.
Once we have finalised the strategy and asset allocation, we select the most appropriate underlying investments. We have the flexibility and depth of research to invest across all asset classes. Our charity clients adopt a variety of strategies, some invest directly in equities and bonds, others focus on diversification through pooled funds. We include external products and managers alongside funds managed by Schroders.
We favour pooled funds over direct assets for the following reasons:
We achieve diversification by selecting a blend of funds across a range of investment styles. We have a successful, established track record of strong performance across a broad range of assets and we feel that we can often provide our clients with in-house investment vehicles to meet their needs.
We have the flexibility to include external products and managers. Indeed, we advocate exposure to third party funds in order to achieve greater diversification and improved projected performance. We believe that access to third party fund managers improves our flexibility and range of suitable funds which is an integral part of our approach to portfolio construction.
We are also able to manage investments on a directly invested basis, where required or preferred by clients.
Schroders Wealth Management believes that companies have the ability to enhance their long-term performance through an understanding of the environmental, social and governance (ESG) issues affecting their business.
In an increasingly dynamic environment where legitimacy and credibility in the market place are important indicators of corporate performance, a thorough awareness of ESG issues enables companies to potentially mitigate risks and liabilities that could arise from these issues as well as realise opportunities.
Central to responsible investment is our belief that it is in our clients' best interests to consider a company's management of, and exposure to, ESG issues. Companies that combine good governance and corporate responsibility will tend to deliver long-term shareholder value over time.