Our core range of standard portfolios is called Fundforce, while clients who prioritize Environmental, Social, and Governance (ESG) considerations can invest in Fundforce for Good, which follows the same risk framework while incorporating responsible investment principles.
Our portfolios are built using a diversified mix of cash, equities, and bonds, carefully allocated to match different levels of risk tolerance (find out how we gauge your risk tolerance here).
Constant scrutiny: A vital component for success
Two key elements to our approach set us apart:
- Collective knowledge: Our exceptionally well-qualified Investment Committee is perfectly placed to identify trends and understand potential pitfalls
- Always on top of performance: Many investment firms will review their portfolios on an annual basis. We believe that in an increasingly volatile world, this isn’t enough
The Montgomery Charles Investment Committee meets every six months to review and adjust the underlying investment portfolios, ensuring they remain aligned with the firm’s long-term investment philosophy and market conditions.
In the two months leading up to each meeting, committee members carefully assess the existing investments, analyse market trends, and consider any necessary changes to optimise portfolio performance.
While portfolio adjustments typically occur on this structured six-month cycle, the committee retains the flexibility to make and implement changes at any time if circumstances require a more immediate response.
This agile approach works on two fronts: it mitigates against risk, whilst also capitalising on trends and opportunities.
Assembling our portfolios: a three-layered approach
To mitigate both specific risk (for example, an individual investment performing badly) and broader market risk, Montgomery Charles constructs portfolios using pooled and Exchange-Traded Funds (ETFs), which collectively hold thousands of underlying assets. This diversification reduces exposure to any single company or sector, creating a more resilient investment approach.
Our portfolio construction process is considered in three layers:
Firstly, the committee assesses macro-economic factors and global events. Members stay continuously informed about world affairs and specifically analyse how certain developments—such as interest rate changes, geopolitical tensions, or shifts in economic policy—might impact different asset classes and industry sectors.
Secondly, the allocation of investments across sectors and geographical regions is carefully considered. Unlike many traditional asset managers, Montgomery Charles does not impose rigid constraints or parameters, allowing the committee the flexibility to be nimble and adjust allocations as needed. This agility enables them to capitalise on opportunities while also varying the balance between growth-oriented and defensive assets to consolidate gains and protect against future risks.
Lastly, a deep dive into existing holdings ensures that each investment is performing as expected, delivering strong returns without taking unnecessary risks. This ongoing review process ensures that every asset in the portfolio is working hard for investors, aligning with the firm’s commitment to disciplined yet adaptive investment management.
You can take comfort in the knowledge that whilst you look after your career, we will look after your financial future.
Lake Windermere, Cumbria
Speak to one of our advisers to discuss your plans and aspirations for both you and your practice and how we can help.
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