Lowes Magazine Issue 121

INVESTMENT SPECIAL

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Investment Portfolios Lowes Investment Management offers eight investment portfolios which allocate to collective investment schemes, such as open-ended investment schemes (OEICs) and unit trusts, run by experienced fund managers. No investment is risk free and even the lowest risk investment carries the potential of significant loss in the most extreme circumstances and so diversification is key. Risk tolerance and capacity for loss will be discussed with your adviser before any investment is recommended. To get specific information about these eight investment portfolios, please get in touch by calling 0191 281 8811 or by emailing LIM@Lowes.co.uk What can you expect? Once agreed, your portfolio will be managed on a discretionary basis, with management having been delegated to us. We understand that first-rate service is as important as investment excellence. The managed portfolios will give you: • A faster execution of investment changes and the confidence that your portfolios are continuously invested optimally and in line with agreed risk profiles, whilst also being managed on a cost-effective basis. • Regular investment updates. • Clear and efficient communication where we provide information that is always detailed and transparent. I n c r e a s i n g R i s k > > > > Defensive Growth Portfolio Risk Level 2 Mixed Investment 0%-35% Shares Portfolio Risk Level 2+ Mixed Investment 20%-60% Shares Portfolio Risk Level 2+ Mixed Investment 40%-85% Shares Portfolio Risk Level 3- Global Select Portfolio Risk Level 3+ Cautious Managed Portfolio Risk Level 2+ Ethical Portfolio Risk Level 2 or 3 Changing World Portfolio Risk Level 4 > > > > S p e c i a l i s t P o r t f o

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Lowes Investment Management Portfolios

Points of Difference

Traditional advisory portfolio

Responsibility for action

Lowes Investment Management

Client express authority

Additional fee of £1 (Inc. VAT) per annum per £1k invested

Lowes fees

Part of ongoing fee

Time to switch funds

1 day

Weeks - months

Rebalancing to asset allocation and risk tolerance

A least annually - when managers deem appropriate

None without full advice process

Client paperwork and involvement

Information only

Information plus every transaction

Risk Management

Optimal alignment

Can experience portfolio drift

Managed Investment Portfolios Who should consider the Lowes Investment Portfolios? The Lowes Investment Portfolios cover a variety of risk tolerances and objectives making them suitable for most retail investors, looking for income, growth or a combination of the two from their investments. Before investing, you should be comfortable with these investments not being guaranteed and therefore subject to the possibility of a capital loss. Consequently, you should also be prepared to invest for the medium to long term. They are especially suitable for those who want to have the final say regarding the investment objective and risk tolerance, in conjunction with the advice of their financial adviser, but don’t want to be involved with the day-to-day monitoring, management and switching administration of the portfolio once implemented.

Get in touch…

To find out more about Lowes Investment Management and the Managed Investment Portfolios: Call: 0191 281 8811

Email: LIM@Lowes.co.uk Visit: www.LowesIM.co.uk

10 Lowes.co.uk