Service Tiers

Our three service tiers are guided by the amount of money a client wants to invest

Tier 1

£750k minimum investment with access to all portfolios and all-encompassing tax planning

Tier 2

£350k minimum investment with discretionary management and tax planning

Tier 3

£150k minimum investment with simple solutions, no discretionary management and some tax planning

Investment

Life Strategy Funds

This option for a minimum £150k investment includes six funds that provide:

A low-cost solution to global investment with various risk levels

Passive funds that track global stock markets or fixed interest markets

Access to global markets

A mixture of equity and fixed interest

Portfolio

PPTC Thematic Model Portfolios

The PPTC Thematic Model Portfolios are five, diversified portfolios which aim to preserve and grow the real (after inflation) value of your investments over time.

They have varying risk profiles, from ‘Defensive’ to ‘Equity’ defined by their strategic, neutral weighting to equities (stocks & shares).

The portfolios will typically invest in collective investment vehicles (funds) and in line with the fund managers’ thematic investment process. There will be a blend of active funds, passive investments, ‘best of breed’ specialist third party active managers and alternatives – all focused on delivering superior risk-adjusted performance.

Thematic investing aims to identify and take advantage of long-term, predictable trends (or ‘themes’) shaping the global economy which will ultimately drive growth, cash flows and returns to investors; these trends currently include Ageing, Evolving Consumption, Climate Change, Automation and Digitalisation.

PPTC Thematic Defensive Portfolio

The objective is to preserve capital and achieve total investment returns greater than those available from short-term money market interest rates. The fund manager seeks to achieve this by investing the majority of the portfolio in a combination of asset classes with characteristics likely to significantly reduce the risk of capital loss over any rolling, 12-month period in most normal market circumstances. The long-term growth in the portfolio will be driven by the element invested in shares, which is typically 20% of the portfolio.

Long-Term return expectations: UK CPI +1%

PPTC Thematic Cautious Portfolio

The objective is to preserve and grow capital value over the longer-term (5 years+). The fund manager seeks to achieve this using a dynamic asset allocation process and a global thematic approach to equity and bond selection. Alternatives (such as infrastructure, specialist third party fund managers, hedge funds and gold) will be used to provide diversification and stabilise the portfolio. The portfolio’s value and the income it generates can be expected to fluctuate down as well as up over the short-term. The long-term growth in the portfolio will be driven by the element invested in shares, which is typically 40% of the portfolio.

Long-Term return expectations: UK CPI +3%

PPTC Thematic Balanced Portfolio

The aim is to preserve and grow capital value over the longer-term (5 years+). The fund manager seeks to achieve this using a dynamic asset allocation process and a global thematic approach to equity and bond selection. Alternatives (such as infrastructure, specialist third party fund managers, hedge funds and gold) will be used to provide diversification and stabilise the portfolio. The portfolio’s value and the income it generates can be expected to fluctuate down as well as up over the short-term. The long-term growth in the portfolio will be driven by the element invested in shares, which is typically 60% of the portfolio.

Long-Term return expectations: UK CPI +4%

PPTC Thematic Growth Portfolio

This portfolio adopts a more aggressive approach, both to tactical allocation as well as selection of global thematic equities and bonds, seeking to achieve a higher level of long-term capital growth over the long-term (a minimum of 5 years). The volatility of return will be greater over the short term, so there will be greater potential for capital losses over any given period. There will still be an element of alternatives (such as infrastructure, specialist third party fund managers, hedge funds and gold) to provide diversification and stabilise the portfolio but short-term volatility should be expected. The long-term growth in the portfolio will be driven by the element invested in shares, which is typically 80% of the portfolio.

Long-Term return expectations: UK CPI +4.5%

PPTC Thematic Equity Portfolio

This portfolio aims to achieve the highest level of long-term capital growth of any of the PPTC Thematic portfolios through investment in an internationally diversified portfolio of equities. While the fund manager aims to achieve an out performance of the benchmark over the longer-term (minimum 5 years), short-term performance can vary from the benchmark and volatility in times of market-stress can be high.

Long-Term return expectations: UK CPI +5%

Strategic Portfolios

PPTC Developed World Portfolio

The PPTC Developed World Portfolio – managed on a discretionary basis – is designed to achieve positive returns by investing in a diverse group of global and regional equity funds. It also provides some downside protection by allocating to absolute return, fixed income and credit funds. The model aims to have a performance target of 6-8% per annum.

The emphasis of the PPTC Developed World Portfolio is capital appreciation, with a primary focus on achieving positive total returns; although there are no restrictions, generally c70% of the model is allocated to Developed Market Equities which will provide these higher returns. Investors will have a greater ability to tolerate risk and are prepared for volatility in returns. Some downside protection will be provided with a c30% allocation to Fixed Income, Alternatives and Absolute Return Funds. We believe that in most markets this model will capture the upside of market performance.

PPTC Strategic Cautious Portfolio

This portfolio aims to deliver total returns of at least UK CPI over the medium term (3 years+). The fund manager will take a balanced approach to asset allocation (diversifying across Fixed Income, Equities, Alternatives and cash) but has no formal benchmark constraints.

Whilst efforts will be made to reduce the risk of capital loss over any rolling, 12- month period, the dynamic nature of the asset allocation process means that the portfolio can be volatile over short periods of time.

Long-Term return objective: UK CPI + 1 ~ 3%

PPTC Developing World Portfolio

The PPTC Developing World Portfolio is designed to generate high returns, albeit with an expected higher level of volatility, through investing in funds with a focus on emerging markets. Over a full market cycle, we expect to generate equity-like returns with lower risk, leading to a more constructive risk adjusted return when compared to emerging market equities. This will be achieved through utilising both tactical and strategic allocations to equity, fixed income, credit and alternative strategies to meet these objectives.

The portfolio will be focussed in high conviction managers we believe will generate alpha over time through active management. The portfolio will be concentrated in 5-10 holdings, with each holding no more than 25%. Equities will form the majority of the portfolio (50-100%), with additional allocations to fixed income/credit (0-25%) and alternatives (0-50%).