Presented by Andrew Boyett-Camp Friday 16 th June 2010 PORTFOLIO MANAGEMENT SERVICE

Introduction  Ask yourself some questions  Our overall objectives  The investment process  Managing risk  Other independent specialists  Everything under one roof  Regular reviews  Cost effectiveness

Ask yourself…. 1. Do you know the total value of your investments today? 2. Do you know what your current asset allocation is overall? 3. Do you know your ideal overall asset allocation? 4. Do you know how much tax you pay on your investments? 5. Are you confident your money is invested in the most tax efficient way? 6. Do you know the charges you pay on your investments? 7. Do you have a clear understanding of your financial goals? 8. Do you know the total return on your investments over the last year? 9. Do you know how your investments are doing against your goals on an ongoing basis? 10. If you could answer yes to all of these questions, do you think it’s more likely you’d meet your financial goals in the longer term?

Introducing our service to you 1. Making your money work harder. 2. Monitoring performance regularly. 3. Monitoring risk regularly. 4. Making your life easier by providing peace of mind.

The basics… Regular reviews and rebalancing Asset Class & Fund Selection Portfolio Framework Risk Assessment

Managing risk. Higher risk Lower risk Cash Commercial Property Bonds Shares & Investment Trusts Unit Trusts

Plenty to consider when spreading risk. A wide range of assets to choose from Shares UK Shares Overseas Shares Small/Med/Large cap stocks Value or growth shares Property Bricks & mortar Commercial Direct or pooled Buy-to-let Fixed Interest Government bonds/Gilts Corporate bonds Overseas Government bonds/Gilts Index linked Gilts Other types of asset With profits Commodities (Gold/fine wine etc) Capital protected products Hedge funds Offshore investments Cash Building society/bank deposits National Savings Money markets

It’s not all about us either… Risk profiling ORRA (Oxford Risk Research & Analysis) Stochastic modeling Tillinghast Towers Perrin Statistical analysis OBSR (Old Broad Street Research) Fine Tuning 121-advice.com Established and highly respected independent experts are engaged throughout the advisory process. They are also utilised on an ongoing basis in the reviewing and monitoring of your funds. There is no substitute to ‘knowing your client’ and that’s where our ability to fine-tune every aspect of your portfolio is somewhat unique.

Everything under one independently managed roof. Personal Portfolio Unit Trusts Investments Trusts SharesCash ISA Unit Trusts Investments Trusts Shares Corporate Bonds Cash Onshore Bond Mutual Funds Cash Offshore Bond Mutual Funds Offshore Unit Trusts Cash SIPP Mutual Funds Unit Trusts Investments Trusts Cash Cash Account Cash Investing Funding of charges Holding Account Pending Investment

Who knows what’s next?

Lifestyle planning is important.  It is ALWAYS about continuously managing Risk There is a well recognised trade off between risk and reward in the longer term When you first start saving you may be prepared to take more risks with your money As family and other commitments grow, your attitude may change As retirement nears, you may want to reduce your risk exposure for greater security A suitable and evolving risk management strategy should underpin all investment decision making.

The effect of time (example only). Your asset allocation reflects your attitude to risk and financial goals Assume your stocks perform better than bonds Over time this may mean 75% of the value of your portfolio (rather than 60%) is invested in stocks That exposes you to a level of risk you didn’t plan to take! Regular re-alignment and rebalancing is crucial

A better deal from us…  Expert and ongoing support for all your key investment decisions: Tax strategy Asset allocation strategy Investment selection Risk management  Discounted rates on annual management charges for a range of investment funds  Fund manager rebates passed on to you, the investor  Switch freely between investments with no charge  Effective reduction in charges as your portfolio grows  Benefit from the flexibility of an interest earning cash account.

Working together with you for your financial benefit. You Your life Your Portfolio Financial challenges Thinking of children Saving for the future Marriage Getting on the property ladder Retirement UK Overseas Inheritance & Estate Planning

Managing your finances as your circumstances change. Health and your wealth What about money if I get sick and can’t work? What about private healthcare? What if I died unexpectedly? The generation game How can I start transferring my wealth to my family without them getting a huge tax bill? After You’re gone Who gets what? How can we set things up to minimise inheritance tax? Am I making the best use of trusts? Providing for your retirement Am I saving enough to have the retirement I want? Are my investments secure enough to start thinking about stopping work? What about retirement abroad? Will I need any lump sums of money? What about if I need to go into a care home when I’m older? Keeping an eye on Tax As a higher rate tax payer what are the the most tax efficient ways to save? Am I taking advantage of all the tax breaks available to me? How can I best move abroad whilst limiting and/or mitigating UK tax?

A genuine service you’ll really come to value. Recommendations are made as part of a bigger picture Tax planning, asset allocation, investment selection and risk management are built in to the process We identify your financial goals, and plan accordingly Our aim is to keep you on the right path to achieving those goals We aim to manage costs and make sure you are not paying too much for your portfolio It’s our role to keep in touch and guide you through life’s changes We’ll always keep your affairs private and personal data secure

The power to view and value your portfolio overall, by tax wrapper, asset class or geographically - securely online 24/7.

Making your life a whole lot easier!  Know what’s in your portfolio  Be clear on your financial goals  Know how you’re doing against those goals  Let us do the hard work: We keep an eye on the market We research regularly We work out what changes might mean for your portfolio We make recommendations If you are happy, we implement quickly and efficiently We review your portfolio regularly We aim to ensure your portfolio is always working hard for you. After all, that’s what you pay us for!