Single equities are not an investment strategy suitable for everyone. Generally it is sensible to reduce exposure to single equities approaching retirement. However, carefully balanced and only as part of a diversified portfolio, equities have proven to be a very efficient growth engine. Coming from a stock broking background, we at Accudo Investments still feel passionate about the equity markets and have endeavoured to create a portfolio management platform that we believe represents exceptional value in today’s market place. Our service is ADVISORY, not discretionary. This means that every time we identify an investment opportunity we feel our clients should participate in, or we believe that it is a good time to sell shares in a particular company, we discuss it with our clients and ask them if they would like to go ahead with the recommendations.
We believe that the clients should be fully aware of the changes within their portfolios and the rationale behind the suggested change. Our approach is not to make frequent and unnecessary changes to portfolios, but to buy good quality investments and to hold them for the long term. With that in mind we have created the following charging structure:
UK EQUITIES, UK GOVERNMENT AND UK CORPORATE BONDS
| Dealing Cost | Annual Charges |
| 1% up to £10,000 consideration | 0.75% up to £500,000 portfolio |
| 0.5% on excess over £10,000 | 0.5% on excess over £500,000 |
COLLECTIVE INVESTMENT SCHEMES (TYPICALLY UNIT TRUSTS/OEIC’S)
| Dealing Cost | Annual Charges |
| 2% | 0.75% up to £500,000 portfolio |
| 0.5% on excess over £500,000 |
In the case of collective investment schemes, there will be additional charges levied by the fund providers, which depend on the fund managers used. For clients not wishing to use our nominee services and therefore dealing directly with the providers (or a fund supermarket), the standard charges levied by the fund providers will apply.
In the case of nominee clients, discounts have been negotiated with the fund providers, (both on initial and annual charges), however there are additional charges levied by the nominee platform provider (see transact nominee platform charges below)
INDIVIDUAL SAVINGS ACCOUNTS (ISA’S), PERSONAL EQUITY PLANS (PEPS) AND SELF INVESTED PERSONAL PENSIONS (SIPPS)
No additional charges are made by Accudo when clients deal directly with providers, extra charges are applied by Transact as listed below.
CAPITAL INVESTMENT BONDS
Commission varies according to provider chosen.
Transact Nominee Account-Nominee Clients only
| Dealing Cost | Annual Charges |
| 0.5% | 0.45* |
(Applicable to all assets held)
*Average charge assuming portfolio of £150,000 or more. Charge ranges from 0.6% for portfolios less than £50,000 to 0.09% for portfolios over £1m.
Wrapper Charges
PEP/ISA Fee-£2.50 per quarter
Personal Pension/SIPP Fee-£12 per quarter
The above charging structure has been put together in order to represent a fair charge linking our remuneration to the performance of the underlying portfolio, as opposed to being linked to the level of transaction activity.
Our investment philosophy could be described as conservative, our Blue Chip Growth portfolio uses the following criteria for stock recommendations.
- Companies with Market Capitalisation of over £2,100 Million
- Earnings per share growth of over 10%
- Cashflow/EPS of over 1
- Strong consensus of city broker opinions
- At least 8 city brokers must follow the stock
Our Blue Chip Income yield portfolio stock selection filters are:
Market Capitalisation of over £2,100 Million
- Earnings per share growth of over 5%
- Prospective dividend yield of over 4%
- Strong consensus of city broker opinions
- At least 8 city brokers must follow the stock
For a no obligation initial evaluation portfolio call Claire and Igor at Accudo Investments.
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