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Our Portfolios

We offer 8 finely tuned investment portfolios. 5 with fixed risk strategies and 2 with risk managed down for your clients over the years.

Our Portfolios

TARGET DATED INVESTMENT STRATEGIES

These portfolios make small adjustments over the years to ensure you always retain the optimum exposure to risk/reward in line with your current age, time to invest and end requirement (capital withdrawal or income generation) at any particular target date you set (and can amend).

This can be ideal for clients who are not certain which level of risk/reward they should be taking at any point, or simply want us to manage this for them.

You can change between any of our portfolios at any time and at no cost.

IM Optimum Growth for Income Strategy

This portfolio also aims to provide growth in excess of global markets under different market conditions whilst reducing your Equity exposure and risk as you move closer to your selected target date, at which point you will be invested in our Optimum Income strategy for balanced income

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Growth for Withdrawal Strategy

This portfolio aims to provide growth in excess of global markets under different market conditions whilst reducing your Equity exposure and risk as you move closer to your selected target date, at which point you will be invested in our Optimum Defensive strategy for capital preservation

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand



DEFINED INVESTMENT STRATEGIES

These portfolios will always remain at a fixed risk/reward level, as selected by you and based upon your requirements. You can change portfolios at any time and at no cost.

IM Optimum Global Growth

This portfolio aims to provide total returns (including dividend income) from global markets whilst protecting from currency fluctuations. It therefore carries a strong UK domestic bias whilst investing primarily in a balanced mixture of global equities together with a smaller exposure to gilts, fixed interest bonds and other assets (property and gold) to reduce volatility. 

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Global Growth and Income

This portfolio aims to provide total returns from market growth, dividend income and a greater degree of exposure to gilts. fixed interest bonds and other assets (property and gold, for example) than that of IM Optimum Global Growth.

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Income

This portfolio aims to provide an optimum level of income by investing in a balanced mixture of Gilts, Fixed Interest Bonds and other assets together with an equal level of Equities in order to achieve a balanced global exposure that is designed to outperform market benchmarks

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Cautious

This portfolio aims to provide a higher return than cash deposit rates and inflation over the long term for investors seeking a cautious management approach. Returns can be used for income or growth and the portfolio invests predominantly in Gilts, Fixed Interest Bonds and Cash with a slightly larger exposure to Equities and other assets (Property and Gold) than our Defensive portfolio below.

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Defensive

This portfolio aims to provide a higher return than cash deposits over the long term for those investors more comfortable with our lowest level of risk. Returns can be used for income or growth and the portfolio invests predominantly in Gilts, Fixed Interest Bonds and Cash with only a small exposure to Equities and other assets (Property and Gold)

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Optimum Sustainable

This portfolio aims to outperform its benchmark over the long term (5 years or more) through dynamic asset allocation and diversification to meet our objectives. The portfolio has a total return objective with no bias towards income or capital growth.

The objective of an ethical investment fund is to achieve positive returns for investors while prioritising environmental, social and governance considerations in its investment decisions.

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand

IM Money Markets

IM Money Markets is designed for investors who are looking for an alternative to holding cash balances and seek a return on funds by investing in short dated Money Market products such as cash, term deposits, certificates of deposit, commercial paper, floating-rate notes, and short-dated government bonds.

The objective of the IM Money Markets is to achieve performance similar to the Bank of England Sterling Overnight Interbank Average (SONIA) over rolling 12-month periods, before fees, while maintaining low volatility.

All securities not denominated in GBP will be hedged to manage currency exposure. Accordingly, investments in this portfolio will not run any FX risk.

This portfolio is provided and managed by P1 Investment Management under the Intelligent Money brand