Please find below the various options available at present:

No Risk

Bank based deposit accounts. Please note that the perceived risk is different to the real risk of perhaps the bank being unable to meets its obligations to clients and the real risk of inflation which is currently running at around 2%. The best business deposit account rates on offer at the moment are can be found here:

http://moneyfacts.co.uk/compare/business/business-deposit-accounts/


The best fixed rate business bonds on offer at the moment are can be found here:

http://moneyfacts.co.uk/compare/business/fixed-rate-bonds-selection/


Please remember that only the first £75,000 is guaranteed under the Financial Services Compensation Scheme (FSCS) and personal clients tend to get paid first before small business customers. Large corporate companies are not covered by the scheme.

Low Risk

A defensive portfolio that will give exposure principally to a range of secure investments with the aim of providing a higher return than cash over the medium to longer term. The majority of assets are likely to be UK based with limited international exposure. Equity (shares) exposure is likely to range between 20-40%. When constructing a portfolio we look at all asset classes, as well as equities, in order to spread risk through diversification. This will include; Cash, Fixed Interest – Gilts and overseas government debt (both fixed coupon and index-linked), corporate bonds (issued by companies such as Vodafone and Tesco), Structured Return – fixed term investments with a predetermined return profile, Commercial Property, Alternatives – such as fund of hedge funds.

Low to Medium Risk

A cautious portfolio that will give exposure to a balanced range of UK and international investments with the aim of maintaining capital in the shorter term while benefiting from the higher returns of real and market investments in the longer term. Equity exposure is likely to range between 40-60%. When constructing a portfolio we look at all asset classes, as well as equities, in order to spread risk through diversification. This will include; Cash, Fixed Interest – Gilts and overseas government debt (both fixed coupon and index-linked), corporate bonds (issued by companies such as Vodafone and Tesco), Structured Return – fixed term investments with a predetermined return profile, Commercial Property, Alternatives – such as fund of hedge funds.

Medium Risk

A balanced portfolio that will give exposure to a range of UK and international investments with the aim of providing significant exposure to the higher returns of real and market investments without full market volatility on a longer term basis. Equity exposure is likely to range between 60-80%. When constructing a portfolio we look at all asset classes, as well as equities, in order to spread risk through diversification. This will include; Cash, Fixed Interest – Gilts and overseas government debt (both fixed coupon and index-linked), corporate bonds (issued by companies such as Vodafone and Tesco), Structured Return – fixed term investments with a predetermined return profile, Commercial Property, Alternatives – such as fund of hedge funds.

Structured Products – fixed term investments that offer a degree of capital protection (up to 100%) if the investment is held to maturity (typically 3 to 6 years) but that can be traded on a daily basis. The return is linked to an underlying index or basket of indices (e.g. 170% return of the FTSE 100 index)

Fund of hedge funds – a managed portfolio of 20 to 50 individual funds that are designed to produce steady returns through most market conditions.

The FSCS will also protect your funds should there be any issues with regard to firms going bust subject to the current limits.



Tony Lopez – Senior Independent Financial Consultant
Tel: 0845 838 2469


August 2016