Portfolio Management

Radcliffe & Co Investment Philosophy

  • A modern, personal approach
  • Full assessment of clients’ capacity for loss and attitude to risk
  • Access to professional investment managers
  • A wholly personalised service
  • On-line access
  • Regular reviews and quarterly valuations
  • The highest standards of integrity and ethical behaviour
  • Radcliffe & Co is responsible for the stewardship and  investment management of in excess of £750 million on behalf of our clients

Historically, like most firms of traditional financial advisers, Radcliffe & Co provided investment advice directly to clients, however over the last decade the importance of discretionary fund management has become increasingly apparent. The speed of market data, volatility within markets and new financial instruments all require the specific expertise of a specialist manager whose job it is to focus solely on the active management of investments. Just as financial advice should be given by a qualified adviser, we believe that investment decisions should be handled by a specialist fund manager whose attention is dedicated to this on a full time basis.

Back as early as 2005 Radcliffe & Co made the decision to appoint firms of Discretionary Fund Managers to manage our clients’ investment portfolios from that point forward. We believe that in order to manage the planning needs of our clients in a continuous and timely manner, discretionary fund management is the best solution. Timing of investments, timely release of capital and, perhaps most importantly, being able to react swiftly and appropriately to investment information and economic changes is a critical element of successful portfolio management.

Due to the size of Radcliffe & Co and our business levels we work in conjunction with five firms of discretionary fund managers; each firm offers a different style of management which means that we are able to appoint the most appropriate manager to meet each client’s needs. Additionally, due to the size of our funds under management, we have been able to negotiate extremely competitive terms for the benefit of our clients.

A discretionary fund manager is able to create and maintain actively managed bespoke portfolios that are specifically tailored towards helping our clients achieve their objectives within a pre-determined risk profile. In addition to this, a discretionary fund manager can utilise a wide range of investments and assets on preferential terms, many of which are not available to private investors.

Appointing an appropriate discretionary fund manager to run a client’s underlying portfolio enables our advisers to concentrate wholly on ‘advice’ which assesses, among other things, attitude to risk, capacity for loss, tax planning, generational planning, financial goals and the strategy for achieving them.

Radcliffe & Co investment committee

In 2007 Radcliffe & Co established an investment committee to oversee the selection and monitoring of the investment firms we work alongside. The committee includes one of our main board directors as well as four of our advisers. The committee carries out a rigorous due diligence process before appointing any investment firm and meets monthly to analyse and assess their ongoing performance and service. The committee regularly interviews alternative investment managers and makes recommendations to the board of directors at Radcliffe & Co, if they feel any changes should be made. In addition to our considerable in-house research, we now employ the services of an independent research company, Asset Risk Consultants (ARC) who provide independent, third party analysis of the investment firms to supplement our own.

ARC website link: