Dore Financial Investment Strategy and associated Research Information

With over 20,000 funds populating the investment universe, selecting funds to meet our clients’ needs has become an ever more time consuming and risk associated task. Where an adviser has reviewed a client's needs and concluded that an investment in a fund would be appropriate, on what basis is the fund chosen? Past performance and star ratings may be considered, or perhaps you favour a particular manager or a particular sector. Either way advisers have to adopt a robust process for fund selection and ensure that it is consistent and regularly reviewed.

 

 

The fund selection process not only applies to an initial selection but also to any future fund switches or manual rebalancing that may need to be undertaken. Again, there has to be a consistent methodology used for deciding when and why the switches should take place. Selecting individual funds to meet the needs of our clients is problematical and isn’t really where advisers add the greatest value. Our responsibility as financial planners is not to maximise or guarantee future returns, but to use experience and knowledge to maximise the probability of achieving client goals.

We believe that advisers who adopt a robust investment process at the heart of their business will serve clients well and provide greater consistency to their investment approach and ensure the client proposition is delivered in a commercially viable way.

 

 

To assist in this regard we (In Partnership) have engaged an external business, Rayner Spencer Mills Research (RSMR), to help us compile a range of investment solutions suitable for many client needs where it is established that investment into a fund is suitable.The investment strategy adopts a core and satellite approach. The core solutions fund matrix is reviewed on a quarterly basis and the satellite list is reviewed monthly. Both these lists are far wider than one would expect to see adopted by a single advisory practice. 

Click through to the next tab investment process for more information.

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