Wealth Management

• Ensuring your income keeps pace with inflation
• Maximising investment growth but minimising investment risk
• Minimising the tax paid on your investments
• Reducing the cost of investment management

And as your financial picture evolves, we make sure that you’re always best placed to meet head-on the inevitable changes in life, ensuring you meet your financial objectives.

Provisio’s highly qualified advisers start by working together with you to build up a comprehensive cash-flow analysis model, one which takes into account your present and future income sources and expenditures. This model forms the basis of your financial plan and will be revisited regularly to ensure that your goals are being met. At the same time we will ask you to consider your future goals in terms of lifestyle to assess your likely income requirements.

Whilst the cash-flow analysis will allow us to calculate the amount by which your investments need to grow to meet your goals, it does not take into account the level of investment risk that you are willing to accept.

Before we can assess which investment strategy is most appropriate for you, it’s vital that we understand your “attitude” to risk.

The more willing you are to take greater levels of risk when making financial decisions means more potential gains, but with this comes greater volatility in your investments (that is, changes in their value over time, both up and down).

We will help you to ascertain your risk tolerance through a sophisticated question and answer session, the results of which will then be used as a foundation on which to build your portfolio. Together we will regularly review your asset allocation to determine if it meets your liquidity and income needs, risk tolerance and timeframe.

We can then make intelligent recommendations on asset rebalancing, always taking into consideration your own tax situation.

With the globalisation of the world’s economies and the accumulation of wealth and economic power in emerging markets, investors today need to have a cost efficient way of accessing that wealth. The new sources of economic growth along with growing environmental awareness, are creating pressures on resources, from oil and water to metals and crops. Strategic asset allocation is by far the most important determinant of portfolio performance. Allocating your capital across a range of different asset classes, such as cash, fixed interest, property, equities and commodities on a truly global basis can give you a better return for less risk than investing in one asset class or geographic sector alone.

The optimum split between these asset classes depends on your personal objectives for the portfolio and your attitude to risk. Therefore we have researched and designed a range of risk-graded investment portfolios which incorporate all the main asset classes available.

What differentiates Provisio is our belief that “Passive” Index Tracking Funds should form the bedrock of these portfolios rather than more expensive conventional “Active” managed funds.

Index Tracking Funds offer near perfect market equalling returns from any given market, sector or index all for a fraction of the cost of more traditional “Active” managed funds.

Regular rebalancing of your portfolio along with occasional “tactical” asset allocation changes, ensures that your portfolio maintains its risk rating regardless of the performance of each of the underlying asset classes.

You want to keep track of your portfolio. Yet you have better things to do than decipher every detail.

Provisio’s Wrap gives you the best of both worlds — relevant, timely information available online 24/7.

A wrap is an online aggregation service that allows for the management of all your investments in one place, giving you instant online access to valuations and performance data across your entire portfolio.