How can Quilter Cheviot help?
At Quilter Cheviot, we have over 30 years’ experience of investing in personal and workplace pension schemes and know that no two clients or pension schemes are the same. This is why we develop a bespoke investment plan for each client, or can manage part of a client’s portfolio to a set mandate.
We can’t help you determine your life expectancy, but we can design a portfolio to meet a target return, with our team proactively selecting investments, factoring inflation into our strategy, and adjusting the asset allocation in line with our view on markets and as your personal circumstances change. Following detail analysis, the International Longevity Centre in the UK concluded that, as people get older, they spend progressively less. If that applies in your case, we can work with a financial adviser and take any appropriate investment decisions to adjust the portfolio to either reinvest some of the surplus income or rebalance into less income-focused holdings or those more orientated towards growth.
The advantages of a discretionary approach
Our discretionary management of portfolios enables us to take an active stance in generating funds for retirement, using natural income through dividends and interest to contribute towards your income needs, rather than a more traditional approach of selling down assets equally across all the funds or assets that make up a portfolio. The advantage of our approach is that there is a greater probability of our portfolios lasting longer than a unitised version, with this conclusion supported by independent research conducted by FinalytiQ.
So, if your income requirements reduce over time during retirement and the pot that you have accumulated may potentially last longer, this provides you with an opportunity to pass on residual portfolio benefits to your surviving family members. We can continue to actively manage assets for future generations too, and tailor the investment approach towards your beneficiaries’ requirements.
Investing, therefore, does not necessarily stop at retirement; we believe it is beneficial to continue through and into retirement. Our flexible approach provides the opportunity for your retirement pot to continue working whilst you don’t have to. If you would like to learn more about investing beyond retirement, download our brochure on Why you deserve bespoke, or contact one of our investment managers using the form on the right.
Author
Shabbir Gulamali
Investment ManagerMy main responsibility is the management of discretionary private client portfolios, which include individual and family accounts, pensions, offshore bonds, charities, trusts and companies. I work closely with both direct clients and intermediaries as a main point of contact as well as taking a hands-on approach towards the underlying investments within portfolios.
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