Markets are by nature unpredictable. So our portfolios allow us to fine tune the overall blend of asset classes to take advantage of short-term opportunities.
This process, known as tactical asset allocation, allows us to respond quickly to market conditions. We look for situations with the potential to generate extra returns. In fact, we design our portfolios so we can make adjustments quickly, while remaining within the overall strategy for your investment profile. This process is something individual investors may find difficult to get right on a consistent basis.
A successful portfolio also relies on the right blend of two key investment strategies, active and passive.
Passive management is cost effective and aims to match a market’s performance by investing in it broadly. In contrast, active management relies on the skills of a fund manager to pick assets they believe will perform better than the market.
Both approaches have their advantages and we use a mix of passive and active strategies to help diversify our portfolios.
The value of investments and the income from them may fall as well as rise and cannot be guaranteed. Investors may not receive back the full amount originally invested.
For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.
Find out more about Eligibility and fees.
You can call us to arrange an appointment or ask a question.
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IMPORTANT LEGAL INFORMATION:
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.