Wealth Matters Ltd, 727 Capability Green, Luton, Bedfordshire, LU1 3LU Tel: 01582 720511 Fax: 01582 730179 www.wealth-matters.co.uk Wealth Matters is directly regulated with the Financial Services Authority ref: 300635 Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
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What is WRAPS ?
ealth matters isk ssessed erformance ystem Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
What is a wrap platform? •
A ‘wrap’ is a single integrated platform on which you can register all of your UK Investments.
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Think of it as internet banking for your investments
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The whole portfolio can be analyzed and quantified according to money value, tax treatment, product type and asset allocation - a genuine wealth management facility.
Available tax wrappers: General Account
ISA Account
Pension Account
Protected Rights Account
Offshore Bond Account
Onshore Bond Account
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Why use a wrap and Nucleus? •
Reduces fees, paperwork and allows you to benefit from economies of scale
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Allows most tax efficient-planning and offers whole of market fund choice
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Provides on-line valuations and performance reviews 24/7
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Provides “clean” & competitive pricing into Direct assets
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Nucleus established in 2006 and profitable with £2.6 billion on the platform
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Principles of Investing •
Analyse attitude to investment risk (FinaMetrica) taking into consideration your age and the term of investment
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‘Investing’ means more than 5 years
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Diversify portfolio using asset allocation models
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Don’t try to time markets or “cherry pick” popular stocks or asset classes
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Review investment proposition and funds regularly
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Re-balance the portfolio at least annually
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Make regular monthly investments to benefit from Pound Cost Averaging
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Select appropriate portfolio 1. Very Cautious 2. Cautious 3. Conservative 4. Moderate 5. Confident 6. Adventurous 7. Intrepid
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Choosing Funds • Criteria for inclusion • Cost-efficient (relatively low AMCs) • Consistency of returns relevant to risk • Wealth Matters are not paid by fund houses, so no bias • Access to funds not available to our clients directly • 80% Passive funds in efficient markets, reducing cost while capturing market returns and reducing volatility • 20% Active funds in specialist areas, where fund managers can still out perform the bench mark, net of charges
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Reports on Fund Performance •
Funds reviewed every quarter for volatility and performance
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Fund switches made when appropriate at no cost
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Advance notice given of any changes to investment portfolio
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WRAPSTM Bulletin every quarter
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Portfolio Performance Overview
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WRAPS™ ‘focus fund’ every quarter
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Topical featured articles
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Valuation statement
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Annual Rebalance of Funds “According to additional research by Skandia, over a 10 year sample case, an annually rebalanced investment portfolio would return 14% more than the same portfolio if it had not been rebalanced. In addition, the rebalanced portfolio would have been less volatile.” - Extract from Professional Adviser – 26/11/2009 Example Portfolio: 2009 55% Equities 30% Bonds 10% Property 5% Cash
Same Portfolio: 2010 67% Equities 19% Bonds 9% Property 5% Cash
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
The Results
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Regular Client Reviews Fee plans provide on-going support which include a holistic and strategic approach to financial planning, helping you reach your goals quicker and more effectively.
Bronze Plan (min £20,000 FUM*)
Silver Plan (min £50,000 FUM*)
Gold Plan (min £100,000 FUM*)
£15 a month (singles and couples)
£25 a month and £30 for couples All the benefits of Bronze Plan plus:
£50 a month and £60 for couples All the benefits of Silver Plan plus:
• Biennial Financial Review • Fund value statements for all savings, Investments and pensions. • Professional advice on maximizing your portfolio • Focus on hitting financial goals • Access to free re-mortgage advice
• Annual Financial Review • Detailed financial report of all existing policy holdings • Cash flow analysis service • Creative Tax Savings Strategies • 0800 number for unlimited free phone support • Free invite to all Wealth Matters seminars and functions
• Access to WRAPS™ • Login details to WRAPS™ online • Seasonal emails and newsletters • Access to an adviser by email and phone for on-going advice • Access to administration support by email and phone for on-going support and service
* Funds under management
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
The Key to Financial Success £
Goal
Present
Future
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
What it Costs Initial
Switch
Policy Fees
Annual
Direct
4.0% - 5.5%
0.2% - 0.5%
£200 - £500 p.a.
2.25% 2.44%*
Via Wealth Matters
1.15% - 2.95%
None
None
1.81% - 1.91%**
* This represents an active portfolio on a typical wrap platform ** Total AMC includes: fees to WM, cost of funds and Nucleus platform. Many funds not available direct. Actual cost depends on size of portfolio. Charges are lower if portfolio is over £1million. The inclusive fee to WM gives you access to WRAPSTM – our investment strategy – which gives you 12 points of communication per annum, on-line access, continual investment advice and full administration support.
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511
Thank you for taking the time to read this presentation. If you are interested to know more about the Wealth Matters WRAPSTM investment strategy, please feel free to contact us:
Wealth Matters Ltd, 727 Capability Green, Luton, Bedfordshire, LU1 3LU Tel: 01582 720511 Fax: 01582 730179 www.wealth-matters.co.uk Wealth Matters is directly regulated with the Financial Services Authority ref: 300635
Email: info@wealth-matters.co.uk | Website: www.wealth-matters.co.uk | Tel: 01582 720511