We have 46 individual investment mandates that are managed by Quilter Cheviot on a daily basis, each covering different sets of asset allocation and underlying investments on the risk/reward spectrum.

 

We then map these onto two different ‘glide paths’ and blend the appropiate mandates accordingly to create the optimum risk/reward ratio for each individual client at any given point in time. The first ‘glide path’ is designed to provide a capital lump sum for withdrawal at each selected target date (IM Optimum Growth). The second is designed to produce the optimum level of income at the selected target date (IM Optimum Growth & Income).

 

Your clients are always free to switch between these two options or mix and match. Equally they can select different target dates for each portfolio and change these target dates whenever they wish.

 

Therefore, when your clients invest with Intelligent Money their current age and anticipated target date determines the optimum risk/reward ratio for each individual client. Equally this risk/reward ratio is amended on an ongoing basis – in line with their chosen glide path – to ensure it always remains at the optimum level.

 

For investors seeking the optimum level of income from a balanced managed portfolio we also offer IM Optimum Income. This is the portfolio that IM Optimum Growth & Income blends into in its final growth years.