Managing Your Portfolio
➤ Our Senior Adviser is fully qualified to give professional advice to create
and manage an investment portfolio.
➤ A portfolio typically consists of a strategy selection of funds and / or ETFs
(index tracking funds)
You Matter Most
The portfolio is developed in the first instance and foremost by listening to you!
What do you want to achieve? and what part do you want to play in the plan?
We have a varying Client base and we believe that no two people are the same, your financial DNA almost as individual as your human make-up.
Some Clients are sophisticated, ex financial professionals and wish to make investment decisions and run their portfolios largely by themselves, some are sophisticated, ex-financial professionals and wish Ingenium Financial to manage things for them!
Whatever your experience and your preferred involvement level, we can work together and can develop a suitable solution for you.
What’s in a Typical Investment Portfolio?
A portfolio will consist of European regulated funds and ETFs from well-known providers such as Blackrock and Vanguard for example. The underlying investments are in stocks and shares of companies based all over the world. In this way we seek to protect your assets and deploy your capital in such a way that it can safely grow over time.
We typically don’t utilise niche fund houses that offer balanced strategies, certainly not as a core part of any portfolio. We prefer to exercise some skill and dexterity to gain investment advantage and return satisfying results year after year.
Underlying costs of investing such as the fees levied by the fund or ETF itself have also come more into focus in recent years. ETFs tend to be priced much lower than actively managed funds and this is part of the reason why ETFs have become ever more popular as an investment tool.
Keep Cost Low Achieves Enhanced Client Outcomes
Ingenium Financial likes to adopt an actively managed passive strategy. That is an ETF based portfolio that is actively managed, adjusted and re-balanced as necessary, typically on a quarterly basis.
There are various ways the portfolio can be created and managed. Ingenium Financial has access to well managed and regularly adjusted managed portfolio service. It also has terms of business with some of the largest portfolio managers globally including one owned by the royal family of Liechtenstein.
Whether you are seeking to invest cash or already have a structure, account or pension in place and you are seeking professional investment management to manage your portfolio then we can certainly help.
Frequently Asked Questions
Managing your portfolio
What is portfolio management?
Professional management of a risk appropriate strategic financial investment.
An investment portfolio is likely to include funds, ETFs and potentially stocks and shares.
Investing while living in Portugal does not mean you are restricted in investment choices anyway. In fact, it is important to remain completely unbiased and globally balanced.
What are the phases of portfolio management?
Discuss your attitude to risk and reward
Understand previous experiences, future goals and expectations
Develop an appropriate global portfolio
Evaluate backtest and make sensible predictions
Monitor and review, rebalance and adjust
What is asset allocation?
Asset allocation is a strategy of dividing your investment portfolio across different asset classes. Asset classes can include funds, ETFs, stocks and shares and is typically tailored to your personal financial goals.
It also takes into consideration risk tolerance and investment time horizon.
Tailoring your asset split can, for example, ensure correct liquidity and currency required to meet income requirements whilst living in Portugal.
Is asset allocation a good strategy?
Yes. It incorporates risk management, return potential and goal alignment.
You may find that this aspect of portfolio management is best left to a professional whilst living in Portugal.
What should be an ideal asset allocation?
There are 3 general categories of strategy. Firstly, aggressive, which is heavily weighted to stocks and shares. Then moderate, which incorporate a larger percentage of fixed income investments, such as bonds. Lastly, conservative, which has a high level of bonds to prioritise protection and reduce volatility.
Adjustments can be made in line with your requirements for life in Portugal.
What are the 4 types of portfolio management strategies?
There are many different ways to invest, but the main four styles, active, passive, discretionary and non-discretionary, represent the foundation of portfolio management. A good portfolio management services firm such as Ingenium Financial will offer all these options (and maybe even a few more).
A resident of Portugal is able to avail themselves of all of these management strategies.
What is passive portfolio management?
It could be (slightly confusingly) called the active management of a passive portfolio. Whereby you have a portfolio made up of solely ETF (AKA index tracking ) funds and they are actively, professionally managed. For example, ETFs are periodically bought, sold or re-balanced to optimise returns.
What is an actively managed passive portfolio?
This is used to describe a portfolio of ETFs that is actively managed either by you or a professional portfolio management firm.
Can I retain my current UK portfolio manager when I move to Portugal?
It may be possible to retain your current UK portfolio manager when you move to Portugal but it depends on the firm’s terms and conditions and their own licensing restrictions. Certainly they may not be aware of your tax obligations and would not be able to advise you.
Will my portfolio be taxed differently when I move to Portugal?
The short answer is yes, you will be subject to different taxes when you move to Portugal. You should contact a suitably qualified Financial Adviser and a Portuguese Tax Accountant to fully understand your situation and investigate tax optimised solutions.